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Home Buyer Programs for Local Heroes
Discover Exclusive State Programs for Active Military, Veterans, Police, Firefighters, and EMTs
 

Helping Heroes Afford Homes 

At Churchill Mortgage, our mission is simple: we do what's right for you. Whether you're an active military member, veteran, police officer, firefighter, or EMT, we're here to help make your dream of homeownership a reality.

Our dedicated Home Loan Specialists specialize in helping local heroes, like you, find and access valuable state and local down payment assistance programs and grants.

Connect with your Home Loan Specialist today to see which programs you are eligible for. 

Are you buying a home or refinancing?

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Enter your phone number and we'll text you a 6-digit security code to verify it's you. Standard texting and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions..

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By submitting this form, I/we agree to your Privacy Policy, Email and Mobile Policy, Terms of Use and authorize Churchill Mortgage Corporation and/or their Preferred Provider for our area and/or The Churchill Agency to receive the above information to assist in obtaining a home loan.

I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

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Dan Kraus headshot

Dan Kraus

| NMLS ID: 40222

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org) See full license

Office:

615-767-5208

Mobile:

615-414-4553

Submit an Application View my Calendar Save My Contact!

Proudly Serving: Alabama, Connecticut, Florida, Georgia, Kansas, Kentucky, Massachusetts, Mississippi, Oklahoma, Tennessee, Texas, California, Virginia, Missouri, New Jersey, Indiana

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Program Types

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Down Payment Grants

Some states provide direct financial assistance in the form of grants. These are sums of money that may not need to be repaid, assuming certain conditions are met (such as owning the home for a specific number of years).

These are especially beneficial for buyers who have the means to afford a monthly mortgage payment but struggle with the substantial upfront costs.

Closing Costs
Forgivable Loans

These are second mortgages that states may offer, where the loan amount decreases over time. The terms often require the homeowner to remain in the home for a certain period, after which a portion or all of the loan is forgiven.

Data Search
Deferred-Payment Loans

Under these programs, the state offers a loan to cover down payment and closing costs, requiring no payments until the home is sold, refinanced, or the primary mortgage is paid off. This approach is beneficial for individuals who don't have the immediate means to cover upfront costs but can handle ongoing mortgage payments.

Coins
Matched Savings Programs

Also known as Individual Development Accounts (IDAs), these programs match the money that eligible individuals save toward a down payment. These accounts encourage saving and fiscal responsibility.

Eligibility Factors

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Income

Many programs are designed for buyers with low to moderate-income levels. Exact income thresholds vary by state and are usually set relative to each area's median income.

Home Inspection
First-Time Home Buyer Status

Several initiatives are reserved for first-time home buyers. Definitions of a first-time buyer can vary, often including individuals who haven't owned a home in three years.

Document Verification
Home Buyer Education

States may require borrowers to complete educational courses on homeownership, ensuring home buyers understand mortgages, home maintenance responsibilities, and financial planning.

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Property Location

Some programs are restricted to certain geographic areas, such as rural regions, revitalization areas, or places with high housing needs.

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Active Military & Veterans

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National Guard & Reserves

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Police & Law Enforcement

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Firefighters 

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EMT & Paramedics

Customer Reviews

Trusted by home buyers across the nation

30,000+

Reviews

4.84

Avg. Rating

Score: 5.0

Extremely smooth and fast transaction. All my questions were answered in a timely matter. Very happy with my experience!

Michael H.
Woodburn, OR
Aug 24th, 2021
Score: 5.0

The staff at Churchill were excellent. They were always available to answer any questions I had. It was a very positive experience!

Nicola M.
White House, TN
Aug 24, 2021
Score: 5.0

This is our first home purchase and Churchill made everything as easy as possible. Their communication and flexibility with our unique circumstances (also having our first baby at the same time!) were stellar and they kept us up to date and informed regularly. I cannot recommend them enough!

Evan Anthony N.
Mountlake Terrace, WA
Aug 24, 2021
Score: 5.0

Professional and expedient. A trusted partner helping us to navigate the home-buying process. Thanks team!

Jeremy F.
Raleigh, NC
Aug 25, 2021

*The Churchill Certified Home Buyer program is not a commitment to lend funds and is not an approval but is a conditional approval subject to your acceptance of the terms and the conditions being fully satisfied prior to closing. All conditions are subject to final underwriting and final investor approval. The certification is subject to the financial status and credit report(s) of everyone on the application remaining substantially the same until closing, an acceptable contract of sale on a suitable property, collateral (the appraisal, title, survey, condition, and insurance) satisfies the requirements of the lender and loan selected is still available in the market. All closing conditions of the lender must be satisfied including the clear transfer of the title, acceptable and adequate title and hazard insurance, flood certification, and any inspections that are required by the real estate contract.

*Rate Secured is available on 30-year conventional conforming and high-balance fixed-rate loans. Rate Secured is not available on government high balance, construction to permanent, or investment property home loans.

Daniel J Kraus NMLS ID: 40222; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); AL-50034 ; CA-CA-DFPI40222, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; CT-LO-40222 ; FL-LO56902; GA-48441, under company license GA-23146; IN-68152; KS-LO.0032594, Kansas Licensed Mortgage Company; KY-21911; MA-MLO40222; MO-40222, Churchill Mortgage, Missouri Branch located at 2300 MAIN ST STE 900, Kansas City, MO 64108-2408; MS-40222; NJ-Mortgage Loan Originator, licensed by the N.J. Department of Banking and Insurance; OK-MLO02459; TN–105626; TX-SML Mortgage Loan Originator; VA-MLO-70158VA, Churchill Mortgage Corporation of TN; 1749 Mallory Lane, Suite 100, Brentwood, TN 37027; Tel: 888-562-6200; All other states, Churchill Mortgage Corporation

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process.

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