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Teacher Home + Program

Are you a first-time homebuyer?

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Teacher Home + Buyers

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

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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 Home + 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 Home + 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 Home + 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 Home + 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.

Synergy One Lending, Inc. | NMLS 1907235 | http://www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | © 2024 | Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Some loan products may not be available in all states. Subject to change without notice. * By entering your information and clicking “Submit”, "Let's Get Started", or "Apply Now" you are authorizing Synergy One Lending to contact you, using the information you provided above. We may call, email or text you and Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed. Our commitment to privacy can be found in our Privacy Policy.