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 5-year adjustable 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 $548,250.
  • 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.

  • The rate lock period is 50 days.

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