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Teacher A+ Program

Are you a first-time homebuyer?

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Teacher A+ Homebuyers

No Down Payment

We provide 100% financing to help you buy your next dream home. This program truly helps those who have not been able to save a large down payment.

1.5% Closing Cost Assistance

In addition to 100% financing, we can also include up to 1.5% of the purchase price for closing cost assistance. This helps pay for closing costs.

First Time Buyers & More

Homebuyers do not have to be a first-time home buyer to qualify. We offer both low and no down payment programs to teachers.

Teachers & More

Available for teachers, staff, employees and their families who serve in public and private schools.

How it works

first Share details
first Teacher A+
first Hi, I’m Mary, your How can I help?
first Share details
first Teacher A+
first Hi, I’m Mary, How can I help?
1

Choose your best option

It all starts here by choosing the best option that fits your home purchase plan.

2

Compare down payment options

We will provide you an easy to follow estimate with loan program, closing cost assistance, interest rate, monthly payment and cash to close.

3

Painless pre-approval*

Once you know your options you will be invited to submit an application to start the pre-approval* process.

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*Pre-approval is not a commitment to lend.

Frequently asked questions

Q: How does a homebuyer qualify for the Teacher A+ Program?
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Buyers must have qualifying income, meet at least 620 credit score and occupy as primary residence. Ask our loan officer for additional qualifications.

Q: What does 1.5% closing cost assistance mean?
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We can provide you with up to 1.5% assistance to pay for closing costs. For example, 1.5% of a $300,000 purchase price would give you $4,500 for closing costs. Additionally, the seller can contribute up to 6% towards closing costs as well.

Q: Does this program have income limits?
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The Teacher A+ Home Buying Program does not have income limits, even if you have additional income, such as a second job or spousal income.

Q: What kind of loan program is used with the 100% Loan Program?
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We currently offer an FHA loan as part of our Teacher A+ Homebuyer Program. FHA loan limits apply by county.

Q: How can I get a lower rate?
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Depending on your scenario, the best rate is typically determined by a higher credit score and a larger down payment. We can provide you with options and let you determine which is best for you.

Q: What is the first step to take advantage of the Teacher A+ Home Buying Program?
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Start with “START HERE” answer the questions, connect with our senior loan officer and we will create your options.

Get started in minutes

Speed matters. Which is why you can get information today. Without affecting your credit score.

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Won’t affect your credit score.

(855) 692-0102 - Whitefish Stage, Kalispell, Montana 59901 - Equal Housing Lender Corp NMLS #2550 Alaska (AK2550), Arizona (0907705), California (4130981), Colorado (2550), District of Columbia (MLB2550), Hawaii (HI-2550), Idaho (MBL-437), Maryland (23418), Minnesota (MN-MO-2550), Montana (2550), Nevada (2342), New Mexico (250489), North Carolina (185883), North Dakota (MB101542), Oregon (ML-832), South Dakota (ML.05197), Texas (2550), Utah (7956014), Virginia (MC-6860), Washington (CL-2550), Wisconsin (2550BA), Wyoming (1004). Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. Texas Complaint and Recovery Fund Notice Mann Mortgage, LLC is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. All programs are subject to credit and income qualification. This is not a guarantee of financing or a firm offer of credit. Interest rates are not guaranteed and subject to change or become unavailable at time of commitment or closing. 1220 Whitefish Stage, Kalispell, MT 59901