Community Mortgage Programs
Realize your Dream of Home Ownership
With no application fee, little to no money out of pocket and low, fixed rate payment options, you could be in the home of your dreams for less than you are paying for rent!
Contact Susan Jester at 440-220-4784 today for more information or to get started!

Check out the great benefits from these two exclusive programs!
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Community Mortgage Program1
If you are a first time homebuyer, looking to refinancing your current loan to a lower rate or you are in the market to upgrade, our Community Mortgage Program may be the solution for you! -
Community Mortgage Plus Improvements Program2
If you are buying a home that needs a little TLC or making improvements to your current home, our Community Mortgage Plus Improvements Program may be the solution for you!
Community Mortgage Program
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No application fee and as little as no down payment required which reduces the amount of money needed to purchase a home.
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Low, fixed rate options to keep your principal and interest payment from changing.
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Flexible credit requirements.
The home of your dreams can be a reality with our affordable, low rate Community Mortgage Program.
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No Private Mortgage Insurance required which helps keep your monthly mortgage payment affordable.
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Home seller can contribute up to 6% of the sales price to be applied towards closing costs.
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Available for single family homes, two family homes and warrantable condominiums.
- Refinance your current loan to a lower interest rate and/or payment.
Contact Susan Jester at 440-220-4784 today for more information or to get started!
Apply with Susan
Community Mortgage with Improvements Program
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No application fee and as little as no down payment required which reduces the amount of money needed to purchase a home.
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Low, fixed rate options to keep your principal and interest payment from changing.
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Flexible credit requirements.
Our Community Mortgage with Improvements Program allows you to borrow additional money to make improvements to your current or new home with low, affordable payment options.
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No Private Mortgage Insurance required which helps keep your monthly mortgage payment affordable.
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Interest only payments during construction.
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Home seller can contribute up to 6% of the sales price to be applied towards closing costs.
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Buying a home? Finance up to 100% of the cost of the home, plus the cost of the upgrades.3
- Upgrading your current home? Refinance your current mortgage, closing costs and the cost of your improvements up to 100% of your home’s value.3
Contact Susan Jester at 440-220-4784 today for more information or to get started!
Apply with Susan
Questions? We're here to help!
![]() Contact me today.Susan Jester, NMLS# 435983
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1No money down for single family home or warrantable condominium. 5% down payment requirement for 2 unit properties. Borrowers must occupy the property. For purchase loans, borrowers cannot own a home at time of loan closing. Homeownership counseling required. Household income must be at or below 80% of the FFIEC Area Median Income as identified by the location of the subject property or the subject property must be located in a low or moderate income tract. Escrow for property taxes and insurance required. Additional requirements/exclusions may apply. Up to 100% Loan to Value. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult your tax advisor for further information regarding the deductibility of interest and charges.
2Improvements must be rehabilitative in nature or add square footage. Maximum term for improvements, 6 months. Additional requirements/exclusions may apply. Borrowers must occupy
the property. For purchase loans, borrowers cannot own a home at time of loan closing. Homeownership counseling required. Household income must be at or below 80% FFIEC Area Median Income or subject property located in a low/moderate income tract as shown in FFIEC Geocoding. Escrow for property taxes and insurance required. Home seller can contribute up to 6% of the sales price to be applied towards closing costs. Loans over $200,000 and up to $726,200 please call for additional required funds needed for down payment.
3The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult your tax advisor for further information regarding the deductibility of interest and charges.