Community Heroes Mortgage Program The Community Heroes program offers eligible Health and Wellness, Public Safety, and Public Education workers a discount off their approved mortgage rate for a conventional loan. We provide an ideal mortgage solution tailored to meet your needs. We express our gratitude and respect for those serving on the front lines in our communities. That’s why we’ve designed a dedicated mortgage program just for you! As our Community Heroes, you can take advantage of the following benefits: .25% discount off of approved loan rate Eligible for all loan programs (excluding Government programs) with a max loan amount up to $766,550 95% Loan-to-Value (LTV) Ratio with FICO 660+ Up to 6% seller’s assist First Time Home Buyer eligible Self-Employed eligible 2 Month’s Principal, Interest, Taxes, and Insurance (PITI) Reserves Private Mortgage Insurance (PMI) required > 80% Max DTI 50% Learn More about Our Mortgage Solutions This unique opportunity is accessible to: Medical and pharmacy employers Health and Wellness support and administrative staff Law Enforcement Officers Paramedics EMTs Firefighters First Responders Public school, College, University, or Trade School faculty or administrators Apply for a Mortgage Restrictions Only eligible for single family residence or one‐unit condo as primary residence. No investment properties or second homes. No manufactured homes or duplexes. When all buyers are first time homebuyers, at least one occupying homeowner must complete homeowner education through Housing and Urban Development (HUD) approved agency. Grants not permitted. 100% of gift funds from family are eligible for down payment or reserves. Escrow required for property taxes and homeowners insurance. Must be US citizen or permanent resident alien. Must qualify for membership. Requires full Federal National Mortgage Association (FNMA) 1004 appraisal. Get Personalized Service By Contacting our Mortgage Champion Today Jay RamseyLicensed Mortgage Loan OriginatorNMLS#71727267-964-8367 | jramsey@suneast.org Jay has over 30 years of mortgage banking experience providing financing for the purchase of or refinancing of residential real estate. He focuses on educating members on the home-buying process and finding the best loan program to suit your needs. Jay works with Conventional, FHA, VA, USDA, and State mortgage programs. Let him know how he can put his experience to work for you! Mortgage Inquiry HiddenNext Steps: Sync an Email Add-OnTo get the most out of your form, we suggest that you sync this form with an email add-on. To learn more about your email add-on options, visit the following page (https://www.gravityforms.com/the-8-best-email-plugins-for-wordpress-in-2020/). Important: Delete this tip before you publish the form.Interested in learning more about how a Sun East Mortgage can benefit you? Please fill out the below form and we will reach out to discuss your interests and needs.Your Name(Required) First Last How Can We Reach You?We would love to chat with you. How can we get in touch?Your Phone(Required)Your Email Address Preferred Method of ContactPreferred Method of ContactEmailPhoneTextWhat's on your mind?Have a question for us? Ask away. Please refrain from providing any personal account information within this form. Your Comments/Questions Disclaimer Sun East Federal Credit Union partners with First Heritage Realty Alliance in order to extend real estate services to our membership consistent with the attention and quality that we provide for all of our members. While Sun East has an ownership interest in First Heritage Realty Alliance and First Heritage Financial, LLC, Sun East is NOT a real estate company. First Heritage Realty Alliance is the real estate company that we trust for all of our members. Please note, our partnership with First Heritage Realty Alliance is for the convenience of our members, but is not required. Our members are free to utilize, and we are happy to work with, any real estate company of our members’ choosing. Sun East Federal Credit Union, NMLS#433893, and First Heritage Financial, LLC, NMLS#506371, are equal opportunity lenders. Rates are subject to change daily based on market conditions and creditworthiness. Offer not valid on existing Sun East loans and is subject to end without notice; other terms and conditions may apply. For more information, visit https://suneastfcu.mymortgageapps.org/suneast or call 1-877-5-SUNEAST x765.
