Everyday Heroes Mortgage Program

You make a difference in so many lives. We want to make a difference in yours.

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If you're a first-time homebuyer in Florida or Georgia and you work in health care, education or public safety, VyStar has a home loan designed just for you. Let VyStar help get you into your dream home today!

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)

Everyday Heroes Mortgage Program

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

  • $0 Down Payment

  • No PMI required*

  • 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

Make Your Dream Home a Reality

We’re here to help you through the process, every step of the way.

1

Gather Your Information

Find out which documents and information you’ll need to apply for a mortgage.

Mortgage Application Checklist
2

Start Your Application

Apply online, give us a call at 904-777-6000 or 800-445-6289 or visit us in person at one of our many local branches.

Apply Now
3

Lock in Your Rate

Once you qualify for a mortgage, we’ll guarantee your rate. This protects you if interest rates fluctuate during the application process.

View Current Rates

Calculate How Much You Can Borrow

Apply for a Mortgage Today

Related Tools & Resources

Mortgage Application Checklist

Find out which documents and information we need to complete your VyStar mortgage or home loan application.

View Mortgage Rates

Whether it’s your first home or your 40th, our mortgage loan officers are here to help you at every step of the way. We service many of the loans we approve, so you’ll always get great customer service.

Financial Calculators

Use our financial calculators to help you decide on the best options for mortgages, retirement planning, debt consolidation, savings and more.

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.

Please note: The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.