At Guaranty Bank, we deeply value the commitment and sacrifice of those who serve our community. Our Local Heroes Home Loan Program is specially crafted for first responders, educators, and military members, offering them the support they need to achieve homeownership.

Who is eligible for the Local Heroes Loan Program?

First Responders: Including law enforcement, fire department, hospital or medical field employees.

Educators: Including school district employees.

Military Personnel: Active duty, reservists, and veterans.

What are the requirements for the Local Heroes Home Loan Program?

• Minimum 10% down with NO PMI
• 675 credit score and above
• 3/1 ARM
• Must be a single-family primary residence purchase
• Must escrow
• Live within 50 miles of a Guaranty Bank location

Home Loans for First Responders

Our first responder mortgage programs are designed with the unique needs of emergency service personnel in mind. We offer flexible, affordable home financing solutions to ensure that those who serve our communities can also own a part of it.

Teacher Home Buying Programs

Recognizing the vital role of educators, our teacher home-buying programs provide accessible mortgage options. We aim to simplify the path to homeownership for teachers, offering guidance and support throughout the process.

Military Home Loans

Our military home loans are our way of saying thank you to those who have served our country. Active duty, reserve, and retired military personnel are eligible for our Local Heroes Program!

Why Our Local Heroes Choose Guaranty Bank

• Customized Loan Options: Tailored to meet the specific needs of first responders, teachers, and military members.
• Dedicated Support: Our experienced mortgage team offers personalized assistance.
• Competitive Rates: Attractive rates to ensure affordability.
• Efficient Process: Streamlined application for a hassle-free experience.
• Keeping it Local: Guaranty Bank has roots right here in the Ozarks and is invested in our community.

Start Your Home Buying Journey

Begin your path to homeownership with our Local Heroes Home Loan Program. Our team is ready to guide you through the application process and help you find the best mortgage solution for your situation.

We understand that buying a house is likely the largest financial commitment you'll ever make. Whether it's your first home or your dream home, we're here to help every step of the way.

Getting Started

When applying for a home loan, you can speed the application and approval process by bringing along the following information:

• Current drivers license
• Your past two pay stubs
• W-2 forms for the past two years
• Two years tax returns with all schedules
• Bank statements for the past two months
• Statements regarding stocks, bonds, 401(k)s, mutual funds, etc.
• Homeowners Insurance - Agents name phone number

Additional documentation may be required depending on your loan request.

_{Program qualifications valid as of 5.23.24. All loans and lines of credit are subject to credit approval and program guideline requirements. Other terms and conditions may apply.}