Mortgage programs designed for community heroes, educators, and medical professionals — with an extended fixed-rate period and discounted rates to support the work you do and the future you’re building

Ready to apply? Meet our mortgage loan specialists

Our Mortgage Loan Advisors will begin by evaluating the big picture before offering a personal solution designed to fit your lifestyle. To apply for a loan, please select one of the advisors below and they will help support you throughout the process.

Bob Church

Bob Church

Mortgage Loan Advisor

Phone: 336-774-4135

Contact Bob

Apply now
David Zufelt

David Zufelt

Mortgage Loan Advisor

Phone: 336-774-2737

Contact David

Apply now

A clearer path to homeownership

Buying a home is a significant milestone. We’re here to walk alongside you, answer your questions, and help keep each step simple and steady.

01
Connect with a mortgage specialist

Share your goals, timeline, and profession so we can help you identify the program that fits your plans — today and over the years ahead.

02
Gather your information

Provide income, asset, and property details so we can complete a clear and efficient review with no surprises along the way.

03
Review and next steps

Once your application is submitted, our team carefully reviews the details and walks you through what to expect next, so you always know where you stand.

Your questions, answered

Select mortgage programs may offer a $0 down payment option for qualified borrowers, including Community Heroes, Higher Educator, and Medical Professional Mortgage Programs. Availability is subject to credit qualifications and program guidelines. 

A 10/1 ARM begins with a fixed interest rate for the first 10 years. After that period, the rate may adjust once per year based on market conditions and program guidelines. This structure can provide payment stability early on, with flexibility later. 

Eligibility depends on profession, credit qualifications, income, and lending guidelines. Programs are designed for community heroes, higher educators, and medical professionals.

Adjustable rate mortgages are available in CA, CT, DE, District of Columbia, FL, GA, IL, IN, MD, NJ, NC, PA, SC, TX, VA, WV.  

Conforming loans fall within federal loan limits, while jumbo loans exceed those limits and are used for higher-value properties. Some mortgage programs offer both conforming and jumbo options, depending on the borrower’s needs and qualifications.

Conforming loan limits may also vary based on geographic location.

Yes. FHA loans are 30-year government-insured mortgages designed to increase accessibility for qualified buyers. VA loans are available to eligible active-duty and retired service members and may offer up to 100% financing for qualified borrowers.