Specialized Mortgages for Community Heroes
A Mortgage That Serves You Back: The Community Champion Loan
You take care of our communities every single day. We’re here to help you put down roots with down payments as low as 1%, zero PMI fees, and student-loan-friendly guidelines, through our partnership with Mortgage Center.
Affordable Homeownership for Those Who Give the Most
The average down payment on a home can be an overwhelming barrier for frontline workers, educators, and service members. Through One Detroit Credit Union’s partnership with Mortgage Center, the Community Champion Loan cuts through standard banking hurdles to make home buying accessible, predictable, and fair.
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Only 1% Down From You*
Finance up to 99% of your home's purchase price. You only need to contribute 1% of your own funds, and gift funds are eligible to cover the remaining down payment. -
No Private Mortgage Insurance (PMI)*
Most conventional loans require expensive PMI if you put down less than 20%. With the Community Champion Loan, PMI is completely waived—saving you hundreds of dollars on your monthly payment.
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Student Debt Won’t Hold You Back
We believe your education shouldn't stop you from buying a home. Deferred student loans are completely excluded from debt-to-income (DTI) calculations.
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Terms Customized to Your Budget
Select a fixed-rate mortgage (15, 20, or 30 years) for consistent, predictable monthly payments, or choose a 5/1 or 7/1 Adjustable-Rate Mortgage (ARM) for initial savings.
Designed for the Everyday Heroes of Southeast Michigan
If you are purchasing a primary residence, have a credit score of 680 or higher, and work in any of the following fields, this loan was designed for you:
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Educators & Education Staff: Teachers, administrators, support staff, and faculty at public or private schools, colleges, and universities.
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Healthcare Heroes: Nurses, doctors, medical techs, administrative clinical staff, and hospital workers.
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First Responders & Emergency Personnel: EMTs, paramedics, firefighters, police officers, and dispatch personnel.
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Military & Service Members: Active-duty military, National Guard, Reservists, and veterans.
Connect with a Mortgage Lender
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*Eligibility requires a minimum credit score of 680 and employment in a qualifying field. Financing is available up to 99% of the appraised value on detached, single-family primary residences; other property types may be subject to different loan-to-value limits. Borrowers must contribute a minimum of 1% of the purchase price from their own funds; gift funds are allowed for most of the remaining down payment, subject to program guidelines. Private mortgage insurance is not required. Deferred student loan payments are excluded from debt-to-income calculation per program guidelines. Available terms include 15-, 20-, and 30-year fixed-rate mortgages and 5/1 and 7/1 adjustable-rate mortgages.
On adjustable-rate mortgages, the interest rate is fixed for the initial period and may increase thereafter. Rate adjustments are subject to the index, margin, and rate caps disclosed in your loan documents, and your monthly payment may increase.
Rates, terms, and program guidelines are subject to change without notice. Not all applicants will qualify.
Mortgage Center is an Equal Housing Lender, NMLS # 282701
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