No discount points No origination fee  
 • No broker fee No credit report fee  
 • No processing fee No flood certification fee  
 • No administration fee No application fee  
No lock-in fee  
to apply or fill out our online application
for fast approvals!

Academic Heroes Mortgage Program
Teachers , Educators and Professors mortgage discount program.

Tennessee & Florida Mortgage Loan Discounts

John Vickers is a leader in no point, no origination fee mortgage loans that began in Florida. He is dedicated to the community.

We give thanks for the men and women who dedicate their careers to educating those who will be our leaders tomorrow.

In addition to the closing costs that have been either waived or paid on behalf of our Academic heroes, other vendors have agreed to reduce their costs which result in the low closing costs we are able to offer.

On behalf of our clients, we thank these companies and organizations for their participation in recognizing our Academic Heroes.