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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.

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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% LTV with FICO 660+
  • Up to 6% seller’s assist
  • First Time Home Buyer eligible
  • Self-Employed eligible
  • 2 Month’s PITI Reserves
  • PMI required > 80%
  • Max DTI 50%

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
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  • 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 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 FNMA 1004 appraisal.


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 or call 1-877-5-SUNEAST x765.