Loans for Police Officers and Fire Fighters  

Helping Police Officers and Fire Fighters overcome the high cost of home ownership.

Who they're for: Full- and part-time law enforcement officers, EMT, and Fire Fighters

·  Police Officers, Private detectives, and all Law enforcement professionals.

·  Administrators, including office and all personal connected to law enforcement.

·  Health care professionals, nurses, and Emergency medical technicians.

·  Fire Fighters, including all office and staff in the Fire protection field.

Homebuyers whose property is located in designated low-income census tracts; there are no income requirements.

Program choices

Zero Down mortgage - For those with good credit who are having trouble with a down payment.

Zero Down Flex mortgage – For those without an established credit history who can afford a small down payment.

Zero Down® mortgage

·  100% financing. No down payment for borrower's with good credit.

·  Little or no up-front costs. All of your closing costs can come from gift funds.

Choose either a fixed-rate mortgage or adjustable-rate mortgage
Maximum loan amounts are - $300,700 in most participating states

Flex® mortgage

·  Choose either a fixed-rate mortgage or adjustable-rate mortgage.

·  No established credit required. A favorable 12-month payment history, including rent and at least two other monthly bills may be all you need.

·  Only 3% down payment with just $500 coming from your own funds. The rest can come from gift funds or other sources.

·  Little or no up-front costs. All of your closing costs can come from gift or other source.

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