Teacher Zero Down home loan is exclusively for teachers. No down payment. Little or no cash needed for closing costs, less income required to qualify for the home loan, and fixed or adjustable rate financing. Call Rae Saldana, Asst. Vice President, 210/525-5051. To be eligible, one of the borrowers must be a teacher or school administrator in a public or private school (K-12). Available on purchase transactions up to $252,700 in select states.

Teacher Flex loans help teachers overcome the high cost of home ownership. No established credit history required. A favorable 12-month rental history may be all you need to qualify. Three percent down with only $500 from your own funds - minimal savings needed since most of the down payment can come from a gift or other sources. Call Rae Saldana, Asst. Vice President, 210/525-5051.