*The Hero Homebuyer Credit is a lender credit available only with a successful closing of a first mortgage loan from Encompass Lending Group, LP. The credit is applied at closing to eligible buyer closing costs, the credit cannot exceed actual closing costs, is not redeemable for cash, has no cash value, and cannot be used towards down payment. Credit amount is based on loan amount and program, minimum of 1.50% of loan amount, max $30,000, not to exceed actual closing costs. At least one borrower must be currently employed, volunteering, or retired in an eligible occupation; see HeroHombuyerCredit.com for eligibility list. Using the credit does not change the interest rate or pricing ELG would offer you for the same loan. Buyer is responsible for down payment, taxes, insurance, and interest. This is not a government program. Encompass Lending is not acting on behalf of or at the direction of HUD, FHA, VA, USDA, or any government agency. ENCOMPASS LENDING GROUP, LP., NMLS #292897, is not a government entity and is licensed under the laws of the State of Texas and by State Law is subject to regulatory oversight by The Texas Department of Savings and Mortgage Lending. Refer to www.nmlsconsumeraccess.org and input NMLS #292897 to see where ENCOMPASS LENDING GROUP, LP is a licensed lender. In all states, the principal licensed office of ENCOMPASS LENDING GROUP, LP. is 23108 Seven Meadows Pkwy, Suite 100, Katy, TX 77494; (281) 693-5363. Information is subject to change without notice. This is not an offer for extension of credit or a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and property eligibility.