Heart + Home Project

Hospitality & Retail Home Credit

If you work in hospitality or retail, you may qualify for a $500 credit toward your closing costs when you buy a home with Treadstone. Get preapproved between May 1 and July 31, 2026, and your credit will be reserved for 18 months while you search for your home.

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Home Buyer Grant for Michigan Hospitality & Retail Workers

At Treadstone, we believe that homeownership builds stronger individuals, families, and communities. We created the Heart & Home Project to give back to those who make a meaningful impact on our community. Hospitality and retail professionals do that every day through the work they provide.

To support that next step toward owning a home, those that work in hospitality and retail (and their spouses) can receive a $500 credit toward closing costs when they get pre-approved with Treadstone.

Don’t work in hospitality or retail?  Not a problem! We have several low down payment & mortgage credit options to make homeownership one step closer. Reach out below to find out what options may apply to you!

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What is a Home Credit?

A home credit is a financial benefit that helps reduce the upfront costs of buying a home. In this case, the Heart & Home Project provides eligible buyers with a $500 credit that can be applied toward closing costs when purchasing a home with Treadstone.

Closing costs can include expenses like appraisal fees, title work, underwriting fees, and other costs associated with finalizing your mortgage. A home credit helps lower the amount of cash needed at closing, making the homebuying process more accessible and manageable.

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Qualifications

This program is available to all healthcare professionals, including those working in restaurants, hotels, retail stores, event spaces, and more — plus their spouses.

To qualify, simply apply and get pre-qualified between May 1 and July 31, 2026. Once you’re pre-qualified, your $500 credit is locked in for 18 months, giving you time to close on your home before February 1, 2028.

Details

• Valid for home purchases or refinances in Michigan (including debt consolidation refinances)

• Can be combined with down payment assistance or low/zero down payment programs

• Complimentary budget analysis available if you’re not quite ready to buy yet

• Cannot be combined with any other closing cost promotion

Heart & Home Project FAQ

We designed the Heart & Home Project to be as inclusive as possible. Anyone who works in the hospitality and retail field (full-time and part-time) — from food and drink service roles to administrative, support, and operations staff — can qualify for the $500 homebuyer credit in Michigan.

 

Spouses of hospitality and retail employees also qualify, even if their spouse isn’t planning to be on the mortgage. In that case, just provide simple proof of employment, like a recent pay stub or W-2 form, and we’ll take care of the rest.

 

If you are not in the qualifying group but still looking to buy a home, Treadstone does have other low down payment options or mortgage credits that you may qualify for. Connect with one of our Loan Officers to find out what would work for your unique situation.

To receive the $500 credit toward your closing costs, you just need to apply and get pre-qualified with Treadstone between May 1 and July 31, 2026. Once pre-qualified, your credit is locked in for 18 months, giving you time to find and close on your home before February 1, 2028.

This credit will be applied directly to your closing costs, which reduces what you need to bring to the table. It can help cover typical fees like appraisal, title services, underwriting, and more. Be sure to mention the Heart & Home Project to your Loan Officer during the process so we can apply the credit to your file.

No problem! If you work in hospitality or retail, but you’re not quite ready to purchase or refinance a home, you can still benefit from this offer. As long as you apply and get pre-qualified during the promotion window (May 1–July 31, 2026), your $500 credit will be locked in for 18 months. Still plenty of time to prepare, search, and close before February 1, 2028.

 

We also offer a complimentary budget analysis and a personalized homeownership roadmap to help you better prepare for that step. Whether you’re a first-time buyer or just exploring your options, our team is here to guide you every step of the way.

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* Subject to credit approval. Not all applicants will qualify for all benefits. The examples of potential savings figures represent estimates, scenarios, and approximations for educational purposes only and may be subject to change based on transaction specifics. Potential savings will not exceed $500 of value from Treadstone. This is not an offer to extend credit. Closing credit is only available for home purchases and refinances in Michigan. Subject to terms and conditions. Fees may apply. The duration of the promotion is at the discretion Treadstone Funding while supplies last.

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