Special Mortgage Programs

Community Heroes Program

Proud to serve our Heroes

 The Community Heroes Program Proudly Serves:
Law Enforcement Icon
Law Enforcement
Police Officer,
Corrections Officer,
State Trooper,
County Sheriff,
Border Patrol
Law Enforcement
Firefighters Icon
Paid and Volunteer
Educators Icon
Private and Public
Healthcare Icon
EMT, Paramedic



  • As little as 1% down payment, gifts and grants allowed
  • Lower PMI fees
  • Community heroes that are first time home buyers, may be eligible for additional discounts

In order to qualify you must meet the following qualifications:

  • 740+ FICO Score
  • Purchase a home with one of our Adjustable Rate Mortgages
  • Detached or attached-single family home or condominium
  • Primary residence, owner-occupied property

Contact Us  or call a Lending Specialist at 800-527-1017.


*Terms and conditions apply. Ask for details.

Veteran and Active Military Programs

Honoring those who serve    

VA Loans 

Features and benefits:

  • 0% down payment
  • No PMI required
  • No prepayment penalty
  • Valid for refinancing 
  • If veteran benefits have been previously used, remaining benefits can be applied

You may be eligible for a 15 or 30 year Fixed Rate VA* Home Loan if:

  • You have served 90 consecutive days of active service during wartime, OR
  • You have served 181 days of active service during peacetime, OR
  • You have more than 6 years of service in the National Guard or Reserves, OR
  • You are the spouse of a service member who has died in the line of duty or as a result of a service-related disability

Custom Rate Quote     Apply Now 


or call a Lending Specialist at 800-527-1017.

Other military offers

Veterans and active military members financing with a non-VA loan through Central One can receive $500 credit** on closing costs for new and refinanced home loans.



Contact Us  or call a Lending Specialist at 800-527-1017.


*Financing provided by CU Members Mortgage, a division of Colonial Savings, F.A. NMLS 401285.

**$500 savings for using one of the local realtors may not be combined with our no-closing-cost program or other Central One Federal Credit Union programs. Terms and conditions apply. Ask for details.