Teachers and first responders: Apply for a home loan for as low as 1% down.

Schedule a free appointment with a home loan expert today.

As a Credit Union built on the idea of people helping people, we believe our local heroes should be able to afford a home.

  • Available exclusively for teachers, firefighters, police officers, EMTs, and paramedics.
  • Available on fixed-rate mortgages. After these introductory periods, the rate adjusts annually based on the index rate.
  • With rate caps, your rate can never rise more than 2% in a year and 5% lifetime from the initial rate.
  • Down payments as low as 1% with loans up to $766,550.
  • We lend on primary residences in Illinois.
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Why choose DuPage Credit Union for your mortgage?

  • Low mortgage rates, high member satisfaction. Over 120 5-star experiences
  • You'll work with local home loan experts—from contract to closing and beyond.
  • Pay no application fee until you lock in your rate. The lock in rate is 50 days.1skip to disclosure
  • Save up to $500 by using one of our Preferred Realtors.

Get help with Community Heroes Loans.

Yes, if you have money that’s been gifted to you or you’ve been given a grant for housing, you can apply those funds toward a down payment.

Yes, you can qualify for the Community Heroes Loan even if you’ve owned a home before as long as you don’t own a home at the time of closing.

Yes. PMI is required until you’ve paid 20% of your loan. Once you’ve reached 20% equity, you can contact us to remove the PMI or it will automatically be removed once you’ve paid 22% of your LTV (loan-to-value).

  • Homeowners insurance required. Single-Family homes only in Illinois. Does not include 2-4 flat or apartment complex financing. Minimum credit score requirements apply. Cannot currently own another home. Minimum loan amount is $50,000. Other terms may be available. Documentation of employment is required to verify the Members position. Consult a tax adviser regarding deductibility of interest. Must be a Member in good standing. Other restrictions may apply.

  • Must have a Credit Union membership established and be in good standing. Rate, points, and Annual Percentage Rate (‘APR’) may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply. Maximum loan to value varies based on multiple factors, including but not limit to loan type, property type and occupancy type.

  • The rate lock period is 50 days.

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