The Twin Cities Hero Program brings together a lender, a real estate brokerage and a title company to give local heroes $1,300+ in savings when you buy, and $650 when you sell, anywhere in the Minneapolis–Saint Paul metro.
A partnership of
In short: The Twin Cities Hero Program is a home savings program for current and former teachers, healthcare professionals, state and local law enforcement, firefighters and military members in the Minneapolis–Saint Paul area. Buyers get a $500 closing credit from Pederson Realty, $150 off Legacy Title’s closing fee, and at least $650 in savings from TruStone Home Mortgage’s Community Heroes loan, which includes a discounted lender fee, reduced mortgage insurance rates and no income limits. That’s $1,300 or more in total. Sellers get the $500 credit and the $150 title discount.
Current and former members of all five groups are eligible. Pick yours to see tips and answers made for your job.
Classroom teachers at public, private and charter schools, current or retired.
See savings →Nurses, physicians, techs, therapists and other healthcare professionals.
See savings →State and local police officers, deputies, troopers and agents.
See savings →Career and current or former firefighters across the metro.
See savings →Active duty, Guard, Reserve and veterans of every branch.
See savings →Each partner adds its own benefit, so your savings stack from pre-approval to closing day.
With Jeff Zajac, NMLS #373627
With Tim Gordon, Pederson Realty
With Pam Becker, Executive Closer
One coordinated team, so you never have to repeat yourself.
Answer a few quick questions online or call or text 651-321-3192. It takes about 30 seconds.
Jeff Zajac calls you to review your goals, compare loan options and get you pre-approved with your Community Heroes savings.
Tim at Pederson Realty helps you find the home or sell yours, and Pam at Legacy Title handles a smooth closing, with your credits applied.
Eligible heroes who sell get a $500 closing credit from Pederson Realty plus $150 off Legacy Title’s closing fee. Buying and selling? You save on both sides.
Decades of combined experience in Twin Cities lending, real estate and closings.
Jeff has been in residential lending since 2003 and with TruStone since 2014. He is a perennial Scotsman Guide Top Loan Originator, a four-time Super Mortgage Professional (Mpls.St.Paul Magazine and Twin Cities Business) and sits on the board of the Minnesota Mortgage Association. Off the clock he coaches and officiates youth hockey.
Tim grew up on Pederson Homes construction sites, starting at age 12, and he still walks through a house the way a builder would. At every showing he looks for what most buyers miss: siding and flashing that let water in, cracks that signal real structural movement, aging furnaces and wiring, and grading that sends water toward the foundation. Spotting those problems before you make an offer protects your budget and gives you leverage. When you sell, he handles the marketing and paperwork from start to finish.
Pam brings more than 20 years of closing experience and is known for her attention to detail and clear communication. She handles everything from FHA and VA closings to down payment assistance and tricky title issues, so your closing is accurate, seamless and stress-free.
651-200-3777 · Lake Elmo office
The Twin Cities Hero Program is a partnership of TruStone Home Mortgage, Pederson Realty and Legacy Title that gives teachers, healthcare workers, law enforcement officers, firefighters and military members savings when they buy or sell a home in the Minneapolis–Saint Paul area.
Current and former teachers, healthcare professionals, state and local law enforcement officers, firefighters, and active or former military members. You confirm your eligibility on our form, and your team may ask for verification such as a work ID, license or DD-214.
Buyers save at least $1,300: a $500 closing cost credit from Pederson Realty, $150 off the closing fee at Legacy Title, and at least $650 from TruStone Home Mortgage’s Community Heroes loan, which includes a discounted lender fee and reduced mortgage insurance rates. Sellers get the $500 credit and the $150 title discount, a combined $650.
No. Each partner’s offer stands on its own. You can get the Pederson Realty credit, the Legacy Title discount or TruStone’s Community Heroes pricing without using the other two, though using all three gets you the most savings and one coordinated team.
No. TruStone’s Community Heroes loan has no income limits, and the Pederson Realty credit has no minimum price, cap or deadline.
No. Repeat buyers and current homeowners can use the program too.
Yes. Eligible sellers who list with Pederson Realty get a $500 credit toward their closing costs, and Legacy Title takes $150 off the closing fee when it closes your sale. That’s $650 in savings.
The Minneapolis–Saint Paul metro, including Hennepin, Ramsey, Anoka, Dakota, Washington, Scott and Carver counties, plus surrounding communities. Not sure about your area? Ask us.
Fill out the 30-second eligibility form or call or text 651-321-3192. Jeff Zajac from TruStone Home Mortgage will reach out first to talk through your loan options, then introduce you to Tim at Pederson Realty and Pam at Legacy Title.
No. The Twin Cities Hero Program is offered by three private companies. It can often be combined with state or local down payment assistance. Ask Jeff what fits your situation.
Two quick steps. No credit check, no obligation. Jeff will reach out to confirm your savings and answer questions.