The mark consists of a gold shield shape with a drop shadow. On top of the gold shield shape lays a gold key with a drop shadow. The top of the key is shaped like a house with a roof line, four squares on the right side creating the appearance of a window, and a chimney on the top right side of the key. A red ribbon lays across the lower half of the shield and key extending out on both the left and right sides in an upward direction, which contains the word "POLICE" to the left of center, with a white star in the approximate center, and the word "FIRE" to the right of center. Underneath the red ribbon lays a navy blue ribbon that extends out on both the left and right sides in an upward direction. There are three white stars on both the left and right sides of this navy blue ribbon. The navy blue ribbon contains the word "EDUCATION" to the left of center, with a white star in the approximate center, and the word "MILITARY" to the right of center. To the right of the shield, key, and ribbons design are the words "HOME LOANS FOR HEROES" written in red with a drop shadow. Centered under "HOME LOANS FOR HEROES" with slightly smaller navy blue lettering with a drop shadow, are the words "SERVING THOSE WHO SERVE".