Community Heroes Program Helping local community heroes purchase a home
ACNB Bank's Community Heroes Program helps local heroes purchase a home with only a 1% down payment and reduced monthly mortgage insurance. Eligible borrowers include teachers, fire fighters, police officers, nurses, emergency medical technicians (EMTs), paramedics and active or former military personnel.
Program highlights
- 30-Year fixed term
- Eligible properties include single family detached or attached single unit, PUDs, and modular homes
- Primary residence only
- Up to 99% Loan to Value (LTV)
- Reduced monthly mortgage insurance
- No other real estate may be owned by the borrower(s) at time of closing
- Auto-drafts of monthly payments from an ACNB Bank account are required
- Save $200 on closing cost with an Advantage Rewards Checking account
Who is eligible to apply for the Community Heroes Program?
At least one borrower must be currently employed either full-time or part-time in one of the following eligible professions (see exception for military personnel):
- Teachers of a public or private educational institution
- Fire fighters
- Police officers of a federal, state or local government law enforcement agency
- Nurses - all designations, including a Certified Nursing Assistant (CNA)
- Emergency medical technicians (EMTs) and paramedics.
- Active or former military personnel will qualify when at least one borrower documents one of the following:
- Current income derived from active duty or military retirement; or
- Military service with DD Form 214 — Certificate of Release or Discharge from Active Duty (dishonorable discharge is ineligible); or
- Eligibility for a Veterans Administration (VA) mortgage with a current VA Certificate of Eligibility
Get Started
Contact a Specialist
Complete the Mortgage Information Contact form to get started right away.
VISIT AN OFFICE
Our friendly, knowledgeable office staff can take your application at an office convenient to you.
Use our office locator to find an office near you.
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