Community Heroes Mortgage Program At Sun East Federal Credit Union, we are proud to honor the commitment and sacrifice of our community heroes—first responders, healthcare professionals, educators, and service members. Your dedication inspires us to serve you better. The Community Heroes Program is our way of giving back, offering exclusive financial benefits and personalized support to help you achieve your goals. Because you’ve always been there for us, we’re here for you. Benefits of the Program: Receive a .25% discount off the approved loan rate.1 Available for all loan programs (excluding Government programs) with a maximum loan amount of up to $806,500. Offers a 95% Loan-to-Value (LTV) ratio for borrowers with a FICO score of 660 or higher. Eligible for up to 6% seller’s assistance. Program available for first-time homebuyers. Self-employed individuals are eligible. 100% of gift funds from family members can be used for the down payment or reserves. Requires only 2 months’ Principal, Interest, Taxes, and Insurance (PITI) reserves. Apply Now 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! Medical and Pharmacy Employees Health and Wellness Support & Administrative Staff Law Enforcement Officers and First Responders Paramedics and EMTs Firefighters Public School, College, University, or Trade School Faculty or Administrators Get started We’re here to help you navigate through the mortgage journey. Quick Links Apply Now Continue My Application Check Today’s Rates Shop for a Home Mortgage Calculators 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 This field is hidden when viewing the formNext 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 1Conditions Private Mortgage Insurance (PMI) is required for loans with an LTV exceeding 80%, and a maximum debt-to-income (DTI) ratio of 50% is permitted. Eligible properties are limited to single-family residences or one-unit condos used as primary residences; investment properties, second homes, manufactured homes, and duplexes are not eligible. When all buyers are first-time homebuyers, at least one occupying homeowner must complete homeowner education through a Housing and Urban Development (HUD)-approved agency. Grants are not permitted, and escrow is required for property taxes and homeowners insurance. Applicants must be U.S. citizens or permanent resident aliens, meet membership eligibility requirements, and provide a full Federal National Mortgage Association (FNMA) 1004 appraisal. 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. Third party linked websites are not under the control of Broadview Federal Credit Union. We are not responsible for the content on those sites and their privacy and security policies may differ from ours. We represent neither you nor the third party in the event that you enter into a transaction.
