PCSO Exclusive · Pinal County, Arizona

We Take Care of Those Who Take Care of Pinal County.

As a Pinal County Sheriff's Office employee, you have access to an exclusive home finance benefit designed to make homeownership more attainable — with real dollars back in your pocket at closing.

$2,500 Lender Credit

0.5% Rate Reduction · 6 Mo.

$525K Line of Duty Benefit

Schedule a Free Consultation See How It Works

Your Loan Advisor

Sean Herrero

Senior Loan Advisor
CrossCountry Mortgage · NMLS #900669

925.575.0637 sean.herrero@ccm.com

$2,500

Lender Credit for PCSO Employees

0.5% Rate Reduction

First 6 months · Conv, FHA & VA

Schedule a Free Consultation

The Process

Simple Steps to Your New Home

Schedule a Consultation

Book a free 15-minute call. We'll learn about your goals, explain your PCSO benefit, and walk you through what to expect as a Pinal County homebuyer.

Receive Your Buyer's Guide

We build you a personalized digital Buyer's Guide with full fee disclosure, loan scenarios, and side-by-side comparisons — no surprises, ever.

Close With Confidence

Your $2,500 lender credit is applied at closing. We stay with you every step of the way with clear, prompt communication from application to keys.

Your $2,500 Benefit

What Your Lender Credit Covers

Your $2,500 lender credit is applied at closing and covers the fees that most buyers pay out of pocket. It's our way of putting real money back where it belongs — in your hands.

Underwriting

The cost to verify your financial documents and approve your loan — covered by your benefit.

Processing

Loan processing and administrative fees that typically come out of your pocket — taken care of.

Appraisal

The home appraisal required by your lender, included in your lender credit package.

Claim Your Benefit Apply Now

PCSO Exclusive

Exclusive Employee Benefit

$2,500

Lender Credit at Closing

Applied directly at closing toward underwriting, processing, and appraisal fees. Available exclusively to Pinal County Sheriff's Office employees.

Conventional FHA VA

Second Benefit

0.5% Rate Reduction for Your First 6 Months

In addition to your $2,500 lender credit, PCSO employees receive a 0.5% reduction on their note rate for the first 6 months of their mortgage — a lower starting payment while you settle into your new home.

Available on conventional, FHA, and VA loans — so it works no matter which program is right for your situation.

Talk to Sean Apply Now

0.5%

Rate Reduction · First 6 Months

Lower your starting rate and reduce your initial monthly payment while you get settled. Real savings right from your very first payment.

Our Specialties

Built for Your Situation

First-Time Buyers

First-Time Homebuyers

Buying your first home can feel overwhelming, especially on a law enforcement schedule. We walk first-time buyers through every detail with patience and clarity — no confusing jargon, just a clear step-by-step plan built around you and your family.

VA Loan Specialist

VA Loans for Veterans

Many PCSO deputies have also served in the military. The VA loan benefit is one of the most powerful tools available — $0 down, no private mortgage insurance, and competitive rates. We are experienced VA loan specialists who make sure you get every advantage you've earned.

Exclusive Employee Benefit

Line of Duty Death Benefit

No one wants to think about the worst-case scenario. But we believe that if you are willing to put your life on the line for Pinal County, your family deserves to be protected financially if the unthinkable were ever to happen.

That is why we provide a Line of Duty Death Benefit at no cost to you. If you are killed in the line of duty, your family can receive up to $525,000 in mortgage loan reduction — helping them stay in their home and focus on healing rather than financial hardship.

This benefit is available to all eligible PCSO employees who finance through our program. There is no additional enrollment, no premium, and no cost of any kind. It is simply our way of honoring those who serve.

Line of Duty Death Benefit

$525,000

Mortgage Loan Reduction

In the event of a line of duty death, your family can receive up to $525,000 in mortgage loan reduction. Provided at no cost to the officer or their family.

No Cost · No Enrollment · No Premium

Transparency First

Your Personalized Buyer's Guide

Every PCSO client receives a custom digital Buyer's Guide built specifically for their loan. No guesswork, no hidden fees — just full transparency in your financing.

Side-by-Side Loan Scenarios

Compare loan types, down payment options, and rate scenarios so you can make the right call for your family.

Full Fee Disclosure

Every cost is laid out upfront. Your $2,500 credit is applied transparently, with no surprises at the closing table.

Modern Communication

Access your guide anytime on any device. We use updated digital tools that fit your schedule — not a 9-to-5 office routine.

Sample Buyer's Guide

PCSO Benefit Applied

Loan Amount$380,000

Loan TypeVA (0% Down)

Interest Rate6.75%

Rate Reduction (Mo. 1–6)6.25% (-0.5%)

Lender Credit Applied-$2,500

Est. Monthly Payment$2,466

What Clients Say

Over 200 Five-Star Reviews

★★★★★

"I was curious how Sean had so many good reviews, until we used him to buy our first home. He was very detail-oriented and clear about the entire process. There were a few hiccups along the way but Sean made it all seem easy and was always quick to respond."

Kaitlin C.

First-Time Buyer

★★★★★

"After comparing a few different lenders, we decided to go with Sean because of his modern methods of communication. He gave us a thorough breakdown of costs and scenarios using a fantastic online tool with dynamically updating visuals."

Freddie S.

VA Loan Buyer

★★★★★

"After getting the run around by several lenders, Sean and his team stepped in and made my dream of owning a home come true. They have an easy application process and Sean is extremely responsive — always there to answer your questions."

Yashada D.

First-Time Buyer

200+

5-Star Reviews

15+

Years Experience

Loan Specialist

LEO

Community Focused

Your Loan Advisor

Sean Herrero

Sean has built his reputation on doing things differently — clear communication, modern tools, and a genuine commitment to the people he serves. He is proud to offer exclusive lending benefits to law enforcement and first responders throughout Arizona and California.

From first-time homebuyers navigating a complex market to veterans using their well-deserved VA benefit, Sean guides every PCSO client with transparency and care from start to close.

NMLS #900669

Email: sean.herrero@ccm.com

Phone: 925.575.0637

Schedule a Free Consultation Send a Message

Ready to Claim Your Benefit?

Your Service to Pinal County Deserves to Be Recognized.

Let us put real dollars back in your pocket when you buy your next home. Schedule a free 15-minute call and we'll walk you through every benefit available to you as a PCSO employee.

Schedule a Free 15-Minute Call Send a Message