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Community Champions

Community Champion Home Loans - the mortgage designed for those who make a difference

Community Champion Loan

Powered by Zeal Credit Union and Mortgage Center, we’re happy to introduce the Community Champion Loan: a mortgage specifically designed for those who make a difference in our communities.

Many first responders work 24-hour shifts, leaving little time for complex mortgage processes. The Community Champion Loan cuts away the excess, leaving you with a home loan that focuses on simplicity and clarity. After all, your service deserves more than a thank-you.

What is the Community Champion Loan?

The Community Champion Loan, brought to you by Zeal Credit Union and Mortgage Center, is a special mortgage program for members who serve our communities including: Educators, Healthcare Professionals, First Responders, and Military Personnel.

What Makes It Unique?

  • No PMI required
  • Flexible treatment of deferred student loans
  • Doesn’t require first-time homebuyer status
  • Bridge Loan eligible

That means lower upfront costs that save you money over time, a gift-friendly option with only 1% down payment requirement (3-6% can come from a gift), student loan relief (deferred student loans can be excluded from your debt-to-income ratio), and a mortgage process built for your life (available for purchase or limited cash-out refinances).

Quick Facts

  • Available for Loan Amounts: $40,000 – $832,750
  • Terms: 15, 20, or 30-year fixed; 5/1 or 7/1 adjustable-rate (ARM)
  • Max Loan-to-Value: 99% (detached) or 97% (attached)
  • Property Types: 1-4 unit homes, warrantable condos, and a planned unit development (PUD)
  • PMI: Not required
Man in army uniform with his daughter. Happy.

Eligibility & How It Works

Eligibility Snapshot

You may qualify if you’re:

  • An employee of a public or private school
  • A healthcare or medical professional
  • A first responder (police, fire, EMT)
  • Active-duty military or veteran

How to Apply

  1. Submit your Application.
  2. Verify your Profession.
  3. Lock in your Benefits and start your home journey!
Learn More APPLY NOW

Disclosure: Mortgage Center is an Equal Housing Lender. All loans are subject to credit approval and program guidelines. Rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Mortgage Center NMLS ID 282701.

Zeal Credit Union is Federally insured by NCUA. Equal Housing Lender. Zeal Credit Union NMLS ID 408356.