Home Buying Assistance For — Teachers

: Local institutions, such as the California Credit Union , often provide rate discounts (e.g., 0.25% off ) on first mortgages for school employees. Alternative Financing Options

: Standard FHA loans require as little as 3.5% down for those with a credit score of 580+, while USDA loans may offer 0% down in rural areas. Teacher Next Door Program® - Exclusive Home Buying Grants home buying assistance for teachers

: Homes are available via a lottery-style bidding system through HUD-registered brokers. : Local institutions, such as the California Credit

: Members can access mortgage programs through the NEA Member Benefits portal, which may include zero origination or application fees. : Local institutions

: You must live in the home as your primary residence for at least 36 months .