Long shifts, nights and weekends: you take care of everyone else. The Twin Cities Hero Program makes buying or selling a home easier on your schedule and your budget.
A partnership of
In short: Current and former healthcare professionals who buy a home in the Twin Cities through the program get a $500 closing cost credit from Pederson Realty, $150 off the closing fee at Legacy Title, and at least $650 in savings from TruStone Home Mortgage’s Community Heroes loan, with low or no down payment options, reduced mortgage insurance rates, no income limits and a discounted lender fee. Healthcare workers who sell get the $500 credit and the $150 Legacy Title discount too.
Early mornings, evenings after a shift, or your days off: Tim schedules around you and can preview homes by video when you can’t be there.
Shift differentials, overtime and on-call pay can often count toward qualifying. Jeff will explain what documentation helps and how much history is usually needed.
From M Health Fairview and Abbott Northwestern to Regions, HCMC and Children’s Minnesota, Tim can help you compare neighborhoods by commute time to your hospital or clinic.
Much of the paperwork can be signed electronically, and Pam’s team at Legacy Title makes closing day simple and on time.
With Jeff Zajac, NMLS #373627
With Tim Gordon, Pederson Realty
With Pam Becker, Executive Closer
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.
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 program is for healthcare professionals, including nurses, physicians, technicians, therapists and others working in healthcare. If you’re not sure your role counts, tell us on the form and Jeff will confirm.
Possibly. Contract and travel income is documented differently than a staff position, so talk with Jeff early about your work history.
Yes. The program is open to current and former healthcare professionals.
Often, yes, when there is a consistent history. Jeff will review your pay stubs and tax returns and tell you what can be counted.
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.
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.
The program also serves:
Two quick steps. No credit check, no obligation. Jeff will reach out to confirm your savings and answer questions.