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      A couple buying their first home
      Home Ownership Within Reach

      Our Community Experts & Heroes program has a lower down payment requirement.

      Find a Mortgage Expert
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      Put Down Roots

      Our program helps those who serve our communities buy a home.

      Connect with a Mortgage Expert

      Community Experts & Heroes Mortgages

      Your local neighborhoods rely on you to make our communities better places. Now it’s your turn to rely on us. As a community expert or hero, you may qualify for a lower down payment requirement,1 which may make it easier to get into the home of your dreams. Thank you for making our communities safer, cleaner and better places to live.

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        Basic Loan Requirements

        • At least one borrower must currently be employed either full-time or part-time in one of the eligible professions
        • Can be used for a primary residence only
        • No additional real estate can be owned at the time of close
        • Property type must be one-unit (detached, attached or condo)
        • Down payment as low as 0% for Community Experts and 1% for Community Heroes
        • Max loan amount of $726,200
        • Minimum credit score of 720
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        Community Experts

        Down payment starts as low as 0% for Community Experts, who are:

        • Certified Public Accountants
        • Chartered Financial Analysts
        • Ph.D.s
        • Architects
        • Certified Mortgage Bankers
        • Actuaries
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        Community Heroes

        Any employees of these organizations:

        • Public or private education institution
        • Fire department
        • Federal, state or local government law enforcement agency
        • Medical care provider, including but not limited to:
          • Hospitals
          • Physicians’ offices and medical practices
          • In-patient and out-patient care centers and clinics
          • Assisted living facilities
          • Skilled nursing facilities
          • Home health agencies
          • Nurses, all designations including a certified nursing assistant (CNA)
          • Emergency Medical Technicians and Paramedics
        • Active or former military personnel

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      1 Subject to credit review and approval. Property insurance required. Some restrictions may apply and program conditions subject to change. Rates are subject to change daily. Contact an Old National Mortgage lender for product details.