A Home Loan Built for Those Healing Our Communities
VyStar Credit Union created the Everyday Heroes program for the medical professionals who care for our community. If you are a doctor, nurse, EMT, or paramedic, you may be able to purchase a residence with zero down and no private mortgage insurance.
What the Everyday Heroes Program Offers
0% Down Payment
Purchase a residence with no down payment required.
No Private Mortgage Insurance
Skip the added monthly cost that most low-down-payment loans carry.
Financing Up to $1.2 Million
Qualify for financing on residences priced up to $1.2 million.
Subject to eligibility and credit approval. Not all applicants will qualify. Rates, terms, and program availability are subject to change and may vary by applicant.
Built for Medical Professionals
Doctors
MD or DO.
Nurses
RN, LPN, APN, NP, BSN, or MSN.
EMTs & Paramedics
Emergency Medical Technicians and Paramedics.
See If You Qualify
Tell us a little about yourself and an Engel & Völkers advisor will follow up to help you take the next step.
Your Engel & Völkers Advisors
Lender: VyStar Credit Union, NMLS #416319
Your Mortgage Loan Officer: Don Lake, NMLS #597455
407.810.5264 · laked@vystarcu.org
Equal Housing Lender · Federally Insured by NCUA
Engel & Völkers New Smyrna Beach. Each brokerage independently owned and operated.
Important Disclosures
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.
Offer valid on qualified mortgage purchase applications submitted on or after September 1, 2025. ©2025 VyStar Credit Union. VyStar Credit Union, NMLS #416319. Equal Housing Lender. Federally Insured by NCUA.