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Community Heroes Mortgage Program

Serving Those Who Serve Our Community

We can’t thank our community heroes enough. They give so much to all of us, we’d like to give back to them. To help those heroes who are looking to purchase a home, we offer our Community Heroes Mortgage Program. This is eligible for those who work professionally, or as volunteers, in fire and rescue, the armed forces, education, medical services, and law enforcement.

Young male African American police officer.

Benefits Of Community Heroes Mortgage Loans**

Benefits to this program include:

  • $250 cash deposit after closing (with First Source direct deposit and auto pay)

  • Reduced personal real estate attorney representation (optional, estimated value - $150)

  • Discounted home inspector’s fee, which includes radon testing (optional with participating providers, estimated value - $50)

  • Personal Community Advocate Hero Team to manage all of your mortgage needs

  • An affordable mortgage that matches your budget

If you’re unable to make a down-payment you may qualify for our no down-payment mortgage solution.

If you work in a professional or support role for any of the above fields, you could receive full Community Hero benefits.


Get Started

Everyone’s situation and home is unique. We look forward to working with you on your specific need for affordable home ownership. If you’re not ready to apply for a Community Heroes Mortgage Loan, you might want to consider scheduling an introductory discovery call with one of our Mortgage Team representatives. Simply click on the button below, select the “Apply for a Loan” service from the menu and choose the “Mortgage Services” option.

Let’s Get Started

We look forward to helping you.

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Not sure how much house you can afford?

Check out our helpful mortgage loan calculator.


Mortgage Loan Calculator

We take immense pride in community solidarity and helping our heroes fulfill their dreams of owning a home.

Mortgage Loans

Check today’s mortgage loan rates effective October 18, 2021


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*Annual percentage rate
Mortgages in New York State only. Information is based on a loan amount of $160,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.

If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.

** Mortgage products are offered by Homeowners Advantage through First Source Federal Credit Union. Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive. Mortgage is restricted to the primary residence (purchase only) located in NY State.

First Source credit and membership eligibility requirements apply. A First Source checking account with payroll direct deposit and automatic mortgage payments is required. The $250 deposit will be made to the program participant’s First Source checking account within 30 days of the closing, upon verification of all eligibility requirements. Personal real estate attorney fee waiver is a $150 credit, not redeemable as cash. Discounted home inspection fee is set by the inspector based on square footage, and not redeemable as cash. You are not required to use the program service provider(s) as a condition of the purchase of the subject property. You may use an alternative provider offering a similar service; however related discounts and other savings will not be available to you.


Proof of employment in healthcare, education, law enforcement, fire and rescue, U.S. military, or veteran status is required to be eligible for the Community Heroes Mortgage Program.

Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany, NY 12205. CAP COM FCU NMLS Identifier: 401261.