Teacher Next Door Blog

 

Help is here for nurses and healthcare workers buying a home!

In the past 12 months, Nurse Next Door has helped over 20,000 nurses, healthcare workers and other public service professionals, navigate the home buying process.  

If you are a nurse or other professional working in the healthcare industry, you are eligible for the Nurse Next Door National Home Buying Program.   There is no fee for using the program and the benefits are substantial.

Home Loans: For the mortgage loan, a Nurse Next Door Certified Program Specialist will discuss your individual situation and help you determine which home loan program will benefit you the most.  All loan types are available in connection with the Nurse Next Door Program, including conventional, FHA, VA and USDA.  In addition, you may qualify for special programs such as Fannie Mae’s HomeReady  or Freddie Mac’s HomePossible or HomeOne programs.

Grants: Housing GRANTS up to $6,000.00 are currently available to nurses and healthcare employees.  Depending on the area, these grants may include government grants and/or the Nurse Next Door Grant.  Some of the state specific programs may include Arizona Home in Five, Georgia Dream, Florida First and others. 

Down Payment Assistance: Nurse Next Door works with over thirty different down payment assistance programs, including national programs such as Chenoa and Unison.  Currently, down payment assistance amounts may be up to $10,681.00, depending on your location and individual circumstance.

First Time Home Buyers: The Nurse Next Door Program is not limited to first time home buyers.  However, nurses and healthcare employees who are first time home buyers may also benefit from Nurse Next Door’s First Time Home Buyers Program.

Other Benefits: Nurses and healthcare employees may purchase any home on the market through Nurse Next Door and there are no 3-year residency requirements.  There are no application or up-front fees and the Simple Docs Program, available in most states, may reduce or eliminate the need for you to gather many of the verification documents typically associated with a mortgage loan.   

For more information on the Nurse Next Door Program you may visit www.NurseNextDoorProgram.us or www.teachernextdoor.us/Nurse.   

APPLY NOW         

Posted by Teacher Staff on October 19th, 2019 2:19 PM


We received this email review today from Graciela Cruz.  Thank you so much for the kind words!  We hope you and your family are getting settled into your new home and wish you many happy new memories. :)

September 27, 2019

 

Buying a home could be a very overwhelming experience if you do not have the right people on your side.  Mrs. McLean's expertise on the home purchasing process definitely alleviated this burden for me and my family.  I knew she was going to be the right person to work with from the very first time we viewed a property together.  She understood my overwhelming life as a teacher and made accommodations without hesitation to work around my schedule.  Mrs. McLean is very knowledgeable and understood what my family needed from the beginning.  She always knew what to say when times got difficult and gave a generous part of her commission to help with closing costs!  The house she found, it’s the perfect home for us! 

Graciela Cruz,
Primary Teacher
Bryan Elementary
Plant City, FL 
         


Read hundreds of new Teacher Next Door Program certified buyer reviews at https://www.teachernextdoor.us/Reviews or REVIEWS


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Posted by Teacher Staff on September 27th, 2019 3:08 PM


Excellent Experience!

Nurse Next Door Realtor: Melissa Welker 
Nurse Next Door Loan Officer: Mike Jones

"Mike made the home buying process seem easy. He was always available when we had a question. We had an excellent experience."
Cari Shosh
Salem, OR
____________________


Great to Work With!

Nurse Next Door Realtor: Mari Anderman 
Nurse Next Door Loan Officer: Sheff Brisbin

"Everyone was great to work with. Sheff, and Patty (in loan processing) were both very helpful."
Kristy Preecs
San Tan Valley, AZ

____________________


Very Responsive!

Nurse Next Door Realtor: Nicholas Hughley 
Nurse Next Door Loan Officer: Bryant Grimmius

"Very responsive, resourceful, and reliable.  Great experience!!"
Lauren Bensen, RN
Katy, TX 

____________________


Great!

Nurse Next Door Realtor: Ashley Daniels
Nurse Next Door Loan Officer: Brandon Childs

"Brandon was great and took the time to explain things to me so that I was clear on the process.  He never made me feel like I was asking too many questions and was very knowledgeable."
Brittany Cannady
Cincinnati, OH 

____________________


Fulfilled Every Promise!

Nurse Next Door Realtor: Jose Gonzalez
Nurse Next Door Loan Officer: Jose Palomar

"Jose and his team fulfilled every promise, met every expectation and gave us professional, honest, candid service.  My family completed the process, home search to close, within six weeks.  Jose and his team were always in our corner."
Michael Fitts
Miami, FL 

____________________


Excellent Experience!

Nurse Next Door Realtor: Francia Alvarez
Nurse Next Door Loan Officer: Danielle O'Neil

"Excellent Experience!"
Deborad Soto, CNM
Davie, FL 

____________________


Awesome to work with!

 

Nurse Next Door Realtor: Bobby DeLa Rosa
Nurse Next Door Loan Officer: Kendall Grady

"Kendall was awesome to work with.  Did what he said he would and very responsive."
Rebecca Cardwell, LVN
Schertz, TX 



Read hundreds of Nurse Next Door Program reviews from certified buyers.  Plus buyer photos, letters, press reviews and more.  NURSE NEXT DOOR PROGRAM REVIEWS

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To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

         






To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________

To Teacher Next Door,

 

I want to take a moment to thank you for helping us achieve our dreams of being home owners.

Ron, Thank you for helping us with our credit.  You were very honest and helpful,
Lynn, Thanks for your patience with Bill.  He was very annoying and you were very professional and always there to answer his questions and concerns.
Sharon, Thanks for making sure we had all the paperwork and everything that was needed to have the closing on the day scheduled.
Steve, Thank you so much for looking out for our best interest.  You helped us find the right loan and made sure we were satisfied with the service you provided us.
You have an excellent group of people in your office who are very professional and friendly.  I will recommend you to all of our family and friends.
Again, thank you.  We are very happy in our new home."

 

The O’Briens,
Lakeland, FL

 

____________________


Posted by Teacher Staff on September 24th, 2019 5:20 PM

 

If you are a nurse or other professional working in the healthcare industry, you are eligible for the Nurse Next Door National Home Buying Program.   There is no fee for using the program and the benefits are substantial.

Home Loans: For the mortgage loan, a Nurse Next Door Certified Program Specialist will discuss your individual situation and help you determine which home loan program will benefit you the most.  All loan types are available in connection with the Nurse Next Door Program, including conventional, FHA, VA and USDA.  In addition, you may qualify for special programs such as Fannie Mae’s HomeReady  or Freddie Mac’s HomePossible or HomeOne programs.

Grants: Housing GRANTS up to $6,000.00 are currently available to nurses and healthcare employees.  Depending on the area, these grants may include government grants and/or the Nurse Next Door Grant.  Some of the state specific programs may include Arizona Home in Five, Georgia Dream, Florida First and others. 

Down Payment Assistance: Nurse Next Door works with over thirty different down payment assistance programs, including national programs such as Chenoa and Unison.  Currently, down payment assistance amounts may be up to $10,681.00, depending on your location and individual circumstance.

First Time Home Buyers: The Nurse Next Door Program is not limited to first time home buyers.  However, nurses and healthcare employees who are first time home buyers may also benefit from Nurse Next Door’s First Time Home Buyers Program.

Other Benefits: Nurses and healthcare employees may purchase any home on the market through Nurse Next Door and there are no 3-year residency requirements.  There are no application or up-front fees and the Simple Docs Program, available in most states, may reduce or eliminate the need for you to gather many of the verification documents typically associated with a mortgage loan.   

For more information on the Nurse Next Door Program you may visit www.NurseNextDoorProgram.us or www.teachernextdoor.us/Nurse.   

APPLY NOW         

Posted by Teacher Staff on September 23rd, 2019 11:35 AM

How can a teacher with bad credit get approved for a mortgage to buy a home?  As the largest National Home Buying Program in the U.S., it is a question we are asked every day.   The honest answer is, it depends.

FICO scores between 500-580

FHA now allows loan approvals with FICO credit scores as low as 500.  However, if your score is between 500 and 580, there are at least two important differences from the typical FHA loan:

Down Payment: 
FHA requires all buyers with scores below 580 to put a minimum of 10% down.  Whereas other loan programs may be as low as 0-3.5% down.


Hand-Underwriting:
In addition to the larger down payment, with a score below 580, FHA will require that the application go through a process known as “hand-underwriting,” as opposed to the typical automated process.  The underwriters will be looking for a specific hardship to explain the low credit score and will likely need a good “letter of explanation”

Compensating factors: During hand-underwriting, the underwriter will consider compensating factors, to get the loan approved for you.  These may include things such as a long and stable employment history, high income, excellent rental history and high cash reserves.  A low debt-to-income-ratio will also help.  For example, 29/41. (29% or gross for PITI and 41% of gross total monthly debt.) 

Teacher Next Door accepts all applications, regardless of credit score and our Preferred Lenders will work hard to get a loan approval for you.  Many buyers with scores below 580 may find it necessary, or easier, to repair their credit prior to moving forward with a home purchase.  Teacher Next Door’s Fresh Start Program could be a possible solution to help you raise your score.

FICO score of 580+

If your score is above 580, you should be able to get an FHA loan with only 3.5% down payment.  You may also not need to go through the hand underwriting process, making it easier to get approved.    

Grants and Down Payment Assistance for Teachers

All teachers and school employees are eligible for the Teacher Next Door GRANT, regardless of credit score.  However, you would still need to qualify for the mortgage financing.  With a credit score above 580, you may be eligible for down payment assistance.  Teacher Next Door requires each of our three national Preferred Lenders to offer several different down payment assistance options.  These DPA programs may include Home in Five Advantage, Georgia Dream, Florida First, Chenoa, Unison and several others.  When you apply through the Teacher Next Door Program, a TND Program Specialist will contact you to go over the various options.  A credit check is not required to complete the pre-application

If you have other Questions about the Teacher Next Door Program, please visit the Frequently Asked Questions section at

www.teachernextdoor.us/FAQs 

Teacher Next Door Reviews

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Fresh Start Program

Posted by Teacher Staff on April 8th, 2019 4:12 PM

Congratulations Kaleb and Becca George of Yuba City, CA on your beautiful new home! Thank you TND Realtor, Robert Walsh and TND Loan Officer, Rahmun Aung Khin and team for doing a great job and for giving back to your communities! For info on TND Grants, visit www.TeacherNextDoor.us.

Teacher Next Door currently has grants available up to $6,000.00 and down payment payment assistance up to $10,681.00.  This program is not just for first time buyers.  However, if you are a first time buyer, you may also qualify for the Teacher Next Door First Time Buyers Program.  

The Teacher Next Door Program is available in all 50 states.  To be eligible, you must be a teacher, nurse / healthcare professional, law enforcement, firefighter, EMT or government employee.  All support staff in these public service professions are also eligible.

APPLY NOW

Read Teacher Next Door REVIEWS?

FAQ's

Fresh Start Program

Posted by Teacher Staff on February 5th, 2019 9:48 AM


Congratulations Vickie Whitecotton on your beautiful new home!  Vickie is an ER Nurse in downtown Orlando.  We wish you many happy new memories.  Thanks to Nurse Next Door Super-Realtor Javin Lopez for your help and contributions to the community.  Thanks, NND Loan Officer, Mike Jones for your excellent service! 

Nurse Next Door currently has down payment assistance available up to $10,681.00.  In addition, there are home buying GRANTS available up to $4,170.00. (More in some areas.)  All healthcare employees are eligible.

Other benefits include: special home loans for nurses and healthcare employeesno application fees, free buyer representation, free appraisal and discounted title fees.  To apply, CLICK HERE




Posted by Teacher Staff on January 18th, 2019 11:44 AM


  Review: “I honestly thought I’d have to give up my dream of owning my own home, but Danielle proved me wrong. My credit wasn’t to greatest, but she worked with me and made it happen anyway. I am beyond grateful to her and her team (especially) Sarah for working so hard to make this dream come true for me and my family. Not only did they help me secure a fair interest rate and down payment, they introduced to us to the best realtor around who helped us into a home in 2 months! I would absolutely recommend this program to any teacher whose dreamed of owning their own house.”
Elizabeth Jordan,
Orlando, FL

Special thanks to Teacher Next Door Loan Officer Danielle O'Neil and TND Realtor Javin Lopez! 

Posted by Teacher Staff on August 4th, 2018 1:52 PM

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