The Community Champions is a Flat Branch loan program we developed to show our appreciation for those who serve the community. This program can be used in conjunction with our VA, FHA, USDA & Conventional loan programs (MHDC and NHF are not eligible).


In order to be qualify for this program you must be employed full-time in one of the following professions:

▸EMT (Emergency Medical Technician): Requires registration with the EMT National   Registry and licensure by state EMS Authority.

▸Fire Department Staff: Firefighter, Driver (also known as “Engineer”, “Chauffeur” or “Fire Equipment Operator”), Lieutenant, Captain, Battalion Chief, District Chief, Deputy or Assistant Chief and includes all support staff.

▸Police Department Staff: Police Officer, Detective, Sergeant, Captain, Commander, Deputy Chief, Chief of Police or Station Master and includes all support staff.

▸911 Staff: Operator, Dispatcher or Tele-communicator

▸School Staff: Teacher, Nurse, Principal, Assistant Principal, Teacher’s Assistant, Office Manager and includes all support staff

Program Benefits

Should you qualify for this program the benefit to you is based on your loan amount:

If your loan amount falls between $30,000 and $150,000 = FREE APPRAISAL

If your loan amount exceeds $150,000 = FREE APPRAISAL and waiving of the Flat Branch Home Loans PROCESSING FEE

Please feel free to apply online or contact one of our Senior Mortgage Bankers to learn more about this great program.