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Community Heroes

Community Heroes Mortgage Program provides $1,000+ in cash/discounts toward your home purchase. You’re eligible if you work in the U.S. Military (active-duty, veteran, reservist), Fire & Rescue, Law Enforcement/Corrections, Healthcare, and Education.




Mortgage Application

Please be prepared to provide detailed financial information.
The online application takes about 15 minutes to complete.
Or, call (800) 468-5500 ext. 3129 to apply by phone 24/7.




Prequalify and Learn More

Get help prequalifying for your mortgage or request details about the Community Heroes Mortgage Program.
Or, skip this form and call (800) 468-5500 ext. 3129 for assistance 24/7.

Program Benefits

  • $500 cash deposit after your closing (with CAP COM direct deposit and auto-pay)
  • Complimentary personal real estate attorney representation (optional, estimated value: $500)
  • Discounted home inspector's fee (limited to participating providers)
  • This program covers every mortgage we offer and great rates


* Mortgage products are offered by CAP COM's mortgage team, Homeowners Advantage. Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive.
– Mortgage is restricted to the primary residence (purchase only) located in New York State.
– Must be credit qualified and eligible for CAP COM membership. A CAP COM checking account with payroll direct deposit and automatic mortgage payments is required.
– The $500 deposit will be made to the program participant's CAP COM checking account within 30 days of the closing, upon verification of all eligibility requirements.
– Personal real estate attorney fee waiver is a $500 credit, not redeemable as cash.
– You are not required to use the program service provider(s) as a condition of the purchase of the subject property. You may use an alternative provider offering a similar service, however related discounts and other savings will not be available to you.
– Proof of employment in healthcare, education, law enforcement, fire and rescue, U.S. military, or veteran status is required to be eligible for the Community Heroes Mortgage Program.
Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), and are not NCUA insured. Homeowners Advantage is a subsidiary of CAP COM FCU. Mortgages in New York State only. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany NY 12205. CAP COM FCU NMLS Identifier: 401261.