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Teacher, Nurse, Fire, Police, EMT, and Non-Profit Home Mortgage Loans

First Merchants Bank is proud to offer a special mortgage program created to give back to those who serve our community as first responders, medical professionals or non-profit employees and school educators. The Hometown Heroes loan offers a low down-payment option on a fixed rate with no mortgage insurance requirements.

Apply for a Hometown Heroes Mortgage

Hometown Heroes Mortgage Program


  • As little as 3% down-payment
  • No Private Mortgage Insurance (PMI)
  • Loan amounts up to $350,000
  • No income limits

Designed For

  • First Responders - Police, Fire, EMT, Paramedic
  • Medical Professionals - Nurse, Physician Assistant
  • Educators - Teacher, College Professor or Instructor
  • Non-Profit Employees - 501(c)(3) or 501(c)(4)


  • Property must be located in Indiana, Michigan, Ohio, Illinois and Kentucky
  • Must be a primary residence
  • Minimum credit score of 680
  • Certain property types may not qualify

Meet with an experienced mortgage professional to evaluate your current situation and better determine which mortgage options might be right for you.

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Download First Merchants Mortgage Loan Originators' Unique Identifier Numbers

Property must be located in Indiana, Michigan, Ohio, Illinois and Kentucky. Must be for a primary residence and borrower must have a minimum 680 credit score to be eligible. Eligible First Responders include Certified Law Enforcement Officer or Law Enforcement Agent, Certified Firefighter, Licensed Emergency Medical Technician (EMT), and Paramedic. Eligible Medical Professionals include Licensed or Registered Nurse and Licensed Physician Assistant. Eligible Educators include Certified Teacher, Collegiate Professor, or Instructor in Public and Private school districts. Eligible Non-Profit Employees include all 501(c)(3) and 501(c)(4) designated organizations. Documentation of employment or any applicable certification may be required. Offer cannot be combined with any other credits or offer. This advertisement is not an offer for an extension of credit. All loans are subject to credit approval. Underwriting terms and conditions apply. Some restrictions may apply. First Merchants Bank reserves the right to change this program at any time.