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Community Solutions Program

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If you're a certified classroom teacher, school administrator, principal, vice principal, librarian, law enforcement officer, firefighter or healthcare professional, this is the mortgage for you.

Benefits of the Community Solutions Program

No Down Payment Required¹
Greater Flexibility in Qualifying Guidelines—You can borrow more money based on your income than a conventional mortgage by allowing for higher debt-to-income ratios.
Easier To Qualify—The Community Solutions Program has less stringent credit guidelines.
Closing Cost Assistance—Finance your closing costs and down payment and purchase a home with very little of your own money.
Income Restrictions—Income limits are based on geographic location, but certain cities don't have any income restrictions.
Stable Monthly Payments—With a fixed rate mortgage, your monthly principal and interest payments stay the same throughout the life of the loan.

Why apply for a mortgage online?

Enjoy a 1/4% discount on fees that could save you $500 or more*
Get a pre-qualification letter
Get a pre-approval decision within a few minutes of applying
Apply online 24 hours a day, seven days a week

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¹You will need to contribute a minimum of $500 or 1% of the purchase price towards closing costs. This amount may be less than the required security deposit for an apartment.

²The origination fee on the site reflects the Ľ discount on the standard origination fee. The standard origination fee is 1% of the mortgage amount or $2,000 on a $200,000 mortgage. This is a savings of $500. The discounted origination fee available through this offer is .75% of the mortgage amount or $1,500 on a $200,000 mortgage. This offer is limited to one discounted origination fee per loan and can only be redeemed by applying online at the link above or by calling (800) 922-6267. No cash will be provided. This offer is only valid on actual loans closed and will not be credited if the loan is denied or withdrawn. This offer is not valid with any other Wachovia Mortgage offer. Offer is only valid for a limited time and is subject to change without notice. Other restrictions apply.

Mortgage loans are originated by Wachovia Mortgage, FSB, and are subject to credit approval, verification and collateral evaluation. Products are not available in all states and are subject to change without notice. Certain restrictions apply.

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