If you’re an educator, healthcare professional, first responder or military member, you give your best every day to help others. At Mortgage Center, we think you deserve a mortgage that helps you, too. That’s why we created the Community Champion Loan, a program designed to make homeownership more accessible for those who serve our communities.

What Is the Community Champion Loan?

This exclusive program offers low down payment options for qualifying members, plus some incredible benefits:

  • No Private Mortgage Insurance (PMI) required
  • Deferred student loans excluded from debt-to-income (DTI) calculations
  • Gift funds allowed for most of your down payment
  • Flexible terms: 15-, 20-, and 30-year fixed or 5/1 and 7/1 ARMs

All you need is 1% of your own funds, the rest can come from a gift. That means less stress and more opportunity to move into the home you love.

Why It Matters

Homeownership is a cornerstone of financial stability, but rising costs can make it feel out of reach. According to the National Association of Realtors, first responders and teachers often spend more than 30% of their income on housing in many U.S. markets. Our Community Champion Loan helps change that by reducing upfront costs and eliminating PMI, a savings that can add up to hundreds of dollars per month.

Who Qualifies?

  • Employees of public or private education institutions
  • Medical and healthcare professionals
  • First responders
  • Active or former military personnel

If you’re in one of these roles, this program was built for you.

For example….

Scenario 1: A Teacher Buying Her First Home
Sarah is a high school teacher with deferred student loans. With the Community Champion Loan, those loans don’t count toward her DTI, making it easier to qualify. She only needs 1% of her own funds, and her parents can gift the rest for the down payment.

Scenario 2: A Veteran Moving Closer to Family
James, a retired Army veteran, wants to buy a home near his grandchildren. With no PMI and flexible loan terms, he saves thousands over the life of his mortgage. That’s money he can put toward family time instead.

Fast Facts

  • Loan Amount: $40,000–$832,750
  • Max LTV: Up to 99% for detached homes
  • Occupancy: Primary residence only
  • Credit Score: 680+ (DTI limits apply)
  • PMI: Not required

Is This Loan Right for You?

If you serve your community, this program is our way of serving you. It’s about making homeownership simpler, more affordable and more rewarding. If you’d like to ask any questions about the Community Champion Loan program, let’s connect sometime soon. If you’d like to start an application today, click here.

Heads up: Some of our loan products may not be available in your state. Want to know what’s available for you? Just reach out—we’re happy to help!