Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.

*All loans in this program require that members MUST have a checking account with payroll direct deposit and automatic payments as a benefit of the program. Note, this is not a condition for approval for a loan, just for this program. If any of the requirements become unmet at any point during the duration of the loan, the rate will revert to the standard, non-program rate for the remainder of the loan term. This program is available for new loans and does not apply to existing loans.

**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.

Mortgage products in New York State only and offered by our Mortgage Team, Homeowners Advantage (HOA). HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 309847. Principal Address: 4 Winners Circle, Albany NY 12205.

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.

***A First Source home equity account with payroll direct deposit and automatic home equity payment 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.

****A First Source checking account with payroll direct deposit and automatic loan payments is required to qualify for the rate discount. If any of the requirements become unmet at any point during the duration of the loan, the rate will revert to the standard, non-program rate for the remainder of the loan term.

First Source credit and membership eligibility requirements apply. Loans funded for business purposes do not qualify.

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 Consumer Loans Program.