Everyday Heroes Mortgage Program

If you're a first-time homebuyer in Florida or Georgia and you work in health care, education or public safety, VyStar Credit Union has a home loan designed just for you.

The Everyday Heroes Mortgage Program makes it easier to own your first home by offering:

$0 Down Payment
No PMI options*
Financing up to $1.2 million**
Quick pre-approvals
Adjustable-rate mortgage options (7/1 or 10/5 ARM)
Fully digital, real-time loan tracking

This loan is designed for members working as any of the following:

Doctor (MD or OD), Nurses (RN, LPN, APN, NP, BSN, MSN)
Emergency Medical Technicians (EMT) or Paramedic
Dentist & Hygienist
Veterinarian
Federal/State/County/Local Firefighters
Federal/State/County/Local Law Enforcement Agency Employees
Public or Private Schools (K-12 and Post-Secondary)

Let VyStar help get you into your dream home today!

Apply Now

Call us and select option 3 to get started.

Certain restrictions and limitations apply. All loans are subject to credit approval. Offers available for a limited time and subject to change without notice.

*Private mortgage insurance (PMI) will be paid by the lender.

**Based on a credit score of 780, a 30-year adjustable rate mortgage purchase loan for $1,200,000, with 0% down (Purchase price $1,200,000) at 6.125% interest rate and an Annual Percentage Rate (APR) of 6.278% has monthly principal and interest payments of $7,291.33 during the first 84 months. The interest rate may adjust once every 12 months thereafter, based on the 1-year US Treasury Bill rate (3.860% as of August 15, 2025) plus a margin of 2.50%, with a maximum interest increase of 5% over the rate at closing. The monthly payment amount after the first adjustment based on current rates will be $7,454.21 and the highest possible monthly payment during the life of the loan could be $10,663.95. Rate and Margin may vary based on credit history and underwriting guidelines. Payment example does not include amounts for taxes or insurance premiums; the actual payment will be greater. Advertised terms are valid as of August 29, 2025, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.

Based on a credit score of 780, a 30-year adjustable rate mortgage purchase loan for $1,200,000, with 0% down (Purchase price $1,200,000) at 6.375% interest rate and an Annual Percentage Rate (APR) of 6.406% has monthly principal and interest payments of $7,492.02 during the first 120 months. The interest rate may adjust once every 60 months thereafter, based on the 1-year US Treasury Bill rate (3.860% as of August 15, 2025) plus a margin of 2.50%, with a maximum interest increase of 5% over the rate at closing. The monthly payment amount after the first adjustment based on current rates will be $7,492.02. and the highest possible monthly payment during the life of the loan could be $9,437.56. Rate and Margin may vary based on credit history and underwriting guidelines. Payment example does not include amounts for taxes or insurance premiums; the actual payment will be greater. Advertised terms are valid as of August 29, 2025, and subject to change without notice. Other conditions apply. Ask your mortgage loan officer for details.