This is a zero down program for employees in the education, law enforcement and fire suppression fields and is known as the "MyCommunity 100 Mortgage". The program is designed to give the first time homebuyer with a lower credit score of 620 or no credit score, will find this mortgage a great advantage. Eligible properties are single family residence, condos, and double-wide manufactured homes. All applicants must fill out a short homebuyer education booklet to close on their loan.

Buyer is required to have $500 towards closing costs, downpayment or escrow reserves, balance of closing costs and escrows can generally be financed in. Only one month of financial reserves for house payment is required. If a credit score is below 620, they may still be eligible, if certain flexible and mininum criteria are met.

Education Profession Eligible Employees

¤ Teacher or administrator, principal, vice principal, librarian or healthcare.
¤ Full time employee of public/private school - federal, statre, county, municipal.
¤ State certified/in the process, or employed by a school recognized by state/regional assoc.

Law Enforcement Eligible Employees

¤ Full time sworn employee of police dept, sheriffs or correction dept - local, state or federal.
¤ Can be also in university, hospital, utility or airport or port authority.

Fire Suppression Eligible Employees

¤ Full time sworn member of local, state or federal fire dept/agency.
¤ For fire prevention, EMS/patient care, arson investigation, hazardous material, response to terrorism.

The list above is not all inclusive, please contact to see if you are eligible.