Home Buying Programs
Watch to see how the Educator Mortgage Program works:
Special programs available to:
Teachers, Faculty, Coaches, Librarians, Nurses, Secretaries, Custodial/Facilities Staff, School/District Leadership, Professors, Adjunct Faculty, Counselors, any ISD/Higher EDU/Private EDU employee.
Discounted Closing Costs1
- Up to $800 in reduced closing costs for you.
- We believe in education and giving back to teachers and the education field.
- Reduce the cost of purchasing a home.
Discounted Real Estate Agent Fees2
- Up to $800 credited from real estate agent fees directly to you.
- We look to work with those in the Real Estate Community who also look to give back.
- Discounted Real Estate Agent Fees + Discounted Closing Costs = up to $1,600 in credits at the closing table for you.
Priority Loan Processing
- Educator Mortgage Program customers take priority.
- Educator Mortgage Program customer loans do not wait in line.
- Faster turn times and loan experience.
Donation To Your School3
- Up to $400 in Donations3 to your preferred school program.
- Pick any program you want (softball team, science lab, teachers lounge, etc.).
- So many programs are underfunded – we are here to help.
Educator Mortgage passes the “Give Back” test.
And we’re just getting started.
Estimated
So many programs today are underfunded,
and so many educators today need a break.
We are here to help!
Home Buyer Loans for Teachers and the Education Field
- Down Payment as low as 3.5%
- Credit Scores Down to 620
- Property Must Be Primary Residence
- Down Payment as Low as 3%
- Credit Scores Down to 620
- Superior loan terms for higher credit and down payment buyers
- Down Payment as Low as 3%
- Credit Scores Down to 620
- Superior loan terms for higher credit and down payment buyers
- Must be a Military Veteran to Qualify, Score down to 640
- No minimum down payment required (0%)
- Property Must Be Primary Residence
- Home must fall within USDA geographic area
- Income Limits Apply (must earn under a certain threshold)
- No minimum down payment required (0%), Score down to 640
- Higher Loan Amount Loans, Typically over $453,100
- Credit Scores down to 680
- 10% Down Payment Required
- Down Payment as low as 10%
- Credit Scores Down to 620
- Property cannot be income generating
- Down Payment as low as 15%
- Credit Scores Down to 620
- Property intend to be income generating
- Lower Initial Payments and Interest Rates
- Payments and Rates Can Change Over Time
- Excellent solution for 5 or 7 Year Loan Needs
- Rate and Principle/Interest Payment Fixed for the life of the Loan
- Low Monthly Payments
- Most Popular Loan Program
- Rate and Principle/Interest Payment Fixed for the life of the Loan
- Lower Interest Rates than 30 Year Loan. 10/20/25 year loans also available.
- Pay Your Home Loan Off Faster, Huge Savings over the Term of the Loan