First Responders: A Loan Program just for YOU!
No Down Payment Home Loans | 100% Financing
Police officers, firefighters, paramedics, EMTs, and 911 dispatchers are often the first to answer the call when help is needed most. Because of the essential role they play, specialized mortgage options are now available to help make homeownership more accessible.
If you're a first responder looking to buy a home in Kansas or Missouri, this mortgage program may offer a path to homeownership with no down payment required.
A Mortgage Program Built for First Responders
This First Responder Mortgage Loan Program is designed for qualified buyers purchasing a primary residence and looking for flexible financing options.
Qualified borrowers may benefit from:
✅ 100% financing
✅ No down payment required
✅ No borrower-paid PMI (Private Mortgage Insurance)
✅ Available for purchase loans only
✅ Primary residences only
✅ Eligible properties located in Kansas and Missouri
This program may be especially helpful for first-time homebuyers or repeat buyers who are financially ready to purchase but have not accumulated a large down payment.
Who Qualifies for This Program?
Eligible professions include:
Police Officers
Firefighters
Paramedics
EMTs
911 Dispatchers
If you serve your community in one of these roles, you may qualify for this unique mortgage opportunity.
Why 100% Financing Matters
For many homebuyers, saving for a down payment is one of the biggest barriers to buying a home.
A 100% financing mortgage removes that obstacle by allowing qualified borrowers to purchase a home without needing a traditional down payment.
This can help first responders:
Buy sooner instead of waiting years to save
Preserve emergency savings or cash reserves
Start building home equity earlier
Homeownership remains one of the most effective long-term wealth-building tools available to families.
Important Loan Program Requirements
Like any mortgage program, this option includes qualification guidelines and specific terms.
Program requirements include:
Minimum 720 credit score
5-Year Adjustable-Rate Mortgage (ARM)
Owner-occupied primary residence only
Eligible properties include:
Single-family homes
Warrantable condos
Planned Unit Developments (PUDs)
Mortgage payment must be auto-debited from an eligible deposit account
Cannot be combined with certain promotional offers
Because every borrower’s financial situation is unique, reviewing your income, credit, property goals, and loan eligibility before house hunting is strongly recommended.
Is This First Responder Home Loan Right for You?
This mortgage program may be a strong fit for first responders who:
Have strong credit
Want to avoid a down payment
Plan to purchase a primary residence
Are buying in Kansas or Missouri
Whether you're a first-time homebuyer or purchasing again, understanding your financing options early can help you shop with confidence.
First Responders: Talk to a Mortgage Professional Before You Start House Hunting
If you're a first responder considering buying a home, now may be the perfect time to explore your options.
Before touring homes or making offers, connect with a mortgage professional to review:
eligibility requirements
monthly payment expectations
financing options
next steps toward approval
You serve your community every day. Your mortgage strategy should work just as hard for you.
Ready to learn if you qualify for 100% financing? Let’s connect and review your options.
Jim Yarrington
Senior Mortgage Loan Officer
First State Bank Mortgage
👉 Apply online
📞 Call or text: 913-915-1855
All loans subject to approval. Equal Housing Lender.