COMMUNITY HEROES LOAN

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

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.2skip 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).

1
  • Single-Family homes only in Illinois. Does not include 2-4 flat or apartment complex financing. Must be Member’s primary residence and Member may not own another property at the time of origination. Minimum credit score requirements apply. Proof of employment and occupation is required to verify the Member’s position. Minimum loan amount is $50,000. Maximum loan amount is $766,550. Private Mortgage Insurance (PMI) may be required due to the low down payment. Homeowner insurance required. Must be a Member in good standing. Other restrictions may apply. Other terms may be available.

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2
  • The rate lock period is 60 days.

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Routing Number:
271990198