★ A Gary Sinise Foundation Community Initiative ★
HeroesHome Advantage
A Preferred Provider Program delivering free financial counseling, waived fees, and dedicated professional representation to those who served and protected our nation.
A Preferred Provider Program delivering free financial counseling, waived fees, and dedicated professional representation to those who served and protected our nation.
"You carried the mission for all of us. Now we carry it for you — from the very first call to the keys in your hand."
All branches, all eras. Active duty, reserve, and retired service members.
Career and volunteer firefighters who run toward danger without hesitation.
Police officers, deputies, and agents who keep our communities safe.
Emergency medical responders who are first on scene when every second counts.
Immediate families of fallen service members and first responders.
A one-on-one homebuying readiness session — credit review, debt-to-income analysis, and a clear path to qualification. No cost. No obligation.
A personalized financial roadmap built around your income, goals, and timeline — including down payment planning and monthly payment scenarios.
Kevin Watson waives 100% of Churchill Mortgage lender fees for every qualifying hero. Veterans also receive complete VA loan expertise and benefit optimization at no additional cost.
Kathleen Hale McClellan waives all title company fees — excluding only the Title Insurance premium itself, which protects your legal ownership. Everything else: gone.
Manjiri Rao-Kostas credits 0.50% of the purchase price directly back to you at closing. On a $400,000 home, that's $2,000 — on top of expert negotiation working in your favor.
Every contract reviewed, every title issue resolved, every dollar of escrow accounted for — by a licensed real estate attorney, at reduced cost to you.
Manjiri Rao-Kostas is a relationship-first luxury real estate advisor in Franklin, Tennessee, known as a fierce advocate for the families she serves. She spent a career in healthcare, where a missed detail could cost a life, and she brings that same standard to this work — treating every family as her own, with her whole heart and nothing left to chance.
Wm. Kevin Watson is a Distinguished Military Graduate of the University of Alabama — where he earned his degree in Marketing and Business — and served as an Army Reserve Officer in the Alabama National Guard. He carries that same standard of service into over 32 years in the mortgage industry.
A seven-time recipient of the National Association of Mortgage Bankers (NAMB) award, Kevin has led Churchill Mortgage's Middle Tennessee team as Regional Manager since 2011, building one of the company's top-producing regions. He has been recognized by U.S. News & World Report as a mortgage industry expert and was previously the #1 producer for Bank of America Mortgage across Alabama, Tennessee, and Mississippi.
A deacon and community leader in Franklin, Tennessee, Kevin's mission is simple: honest advice, debt-free homeownership, and treating every family the way he'd want his own treated. For veterans and first responders, this program is personal.
"The path to homeownership shouldn't be harder for the people who made the hardest sacrifices. This program exists to remove every barrier we can — because they've already done the hard part."
— Kevin Watson, U.S. Veteran & Senior Loan Officer, Churchill MortgageA simple, confidential eligibility check. DD-214, first responder ID, or employment verification — takes under 5 minutes.
A no-cost mortgage readiness review. Know exactly where you stand — including a full VA benefit analysis if applicable — and what it takes to get to the closing table.
Walk away with a written plan: target price range, monthly payment scenarios, down payment strategy, and a 90-day readiness roadmap.
Churchill Mortgage's deep pre-approval signals to sellers you are a serious, ready buyer. The Hero fee waiver is applied automatically at this stage.
Your dedicated buyer's agent handles search, showings, and offer strategy. Her 0.5% closing credit hits your side of the ledger when you close.
Every contract reviewed, every title cleared, all title company fees waived. The deal is done when it's done right — and Kathleen makes sure of that.
Purchase price credit at closing.
On $400K: $2,000 back.
All title company fees waived. Title Insurance only remains — protecting your ownership.
All Churchill Mortgage lender fees waived — every dollar, guaranteed.
Ask Manjiri is an AI voice concierge that answers questions about Middle Tennessee neighborhoods, schools, relocation, and how this program works. Scan the code or tap the button and speak. When a conversation needs a person, it hands off to Manjiri directly.
Open Ask ManjiriAn AI assistant, not a licensed agent. For advice on a specific property or contract, reach me directly.
Start with a free consultation with Kevin Watson — no cost, no obligation, no pressure. Your Heroes Home Advantage journey begins with one call.
Start My Free ConsultationKevin Watson | NMLS# 590092 | Churchill Mortgage NMLS# 1591 | TN License #109351 | Equal Housing Lender
In partnership with garysinisefoundation.org