Government
Officer Next Door
The Officer Next Door program offers a unique opportunity for law enforcement officers to achieve homeownership. With competitive rates starting at 6.25% and flexible qualification criteria, this program is designed to make buying a home more accessible for those who serve our communities. Take advantage of this government-backed initiative to secure your future and invest in a place to call your own.
Program Benefits
Competitive interest rates starting at 6.25%, offering significant savings over the life of the loan.
Low down payment options, making homeownership more attainable.
Flexible credit score requirements, opening doors for more applicants.
Government-backed program providing added security and stability.
Assistance with down payment and closing costs may be available.
Opportunity to live and invest in the community you serve.
Program Highlights
Max LTV
96.5%
Min Credit Score
580
Max DTI
55%
Loan Amount Range
$50K - $1M
Amortization Options
Eligible Properties
- Single Family
- Condo
- Townhouse
- PUD
Program Requirements
Income Documentation
- •Stable and verifiable income required.
- •Proof of employment as a law enforcement officer.
- •Debt-to-income ratio must meet program guidelines.
- •Income documentation includes pay stubs, W-2s, and tax returns.
Asset Verification
- •Sufficient assets to cover down payment and closing costs.
- •Verification of funds through bank statements.
- •Gift funds may be permitted with proper documentation.
- •Reserves may be required.
Insurance & Title
- •Homeowner's insurance policy required.
- •Flood insurance may be required depending on property location.
- •Mortgage insurance may be required depending on down payment amount.
Property Requirements
- •Minimum FICO score of 580 required.
- •Credit history will be reviewed to assess risk.
- •Derogatory credit events may require explanation and documentation.
- •Good credit management demonstrates responsibility.
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The minimum FICO score requirement for the Officer Next Door program is 580.
The maximum LTV for the Officer Next Door program is 96.5%.
The availability of the Officer Next Door program may vary by location. Contact CMRE to confirm availability in your area.
Yes, in many cases, you can combine down payment assistance programs with the Officer Next Door program. Consult with a CMRE loan officer to explore your options.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
