Community Advantage Program
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Franklin · Community Advantage Program

The Community Advantage Program

Eligible Listings across California, Florida, and Nevada

Each property below qualifies for the Community Advantage Program. Standard Conventional, FHA, and Community Advantage payment estimates — plus the monthly savings between them — are calculated live for every listing. Adjust the rates below to match today's market.

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%

Discounted Rates

0.50%–1.50% lower than market Conventional rates, depending on qualifying factors like credit.

0

No PMI

No monthly mortgage insurance — one of the program's biggest, most immediate savings.

3%

Minimal Down Payment

3% down for first-time buyers, 5% minimum down for everyone else.

0 eligible listings
0 counties
0 states
Community Advantage Program eligibility is geographic. The program is limited to specific census tracts within participating counties — not every home statewide qualifies. Every listing shown below has already been confirmed as eligible based on its location.

Adjust the numbers

Set today's Conventional and FHA rates, and choose where the Community Advantage discount falls in its 0.50%–1.50% range. Every payment estimate on this page — and the sample below — updates instantly.

Rates shown are rough national averages, used for informational purposes only. Actual rates depend on a variety of qualifying factors — credit, loan amount, property type, occupancy, and more — and will vary by borrower. These are not an offer or a commitment to lend. Reach out for a personalized quote.
Standard Conventional rate 30-yr fixed · 3% down 7.000%

APR: 7.250%

FHA rate 30-yr fixed · 3.5% down 6.500%

APR: 7.375%

Community Advantage discount below Conventional rate 1.000%

Community Advantage rates run 0.50%–1.50% below the Conventional rate above, based on qualifying factors. Right now that puts the Community Advantage rate at 6.000% (APR: 6.250%), with 3% down and no mortgage insurance.

Sample estimate

Same home, three ways to finance it

$
Standard Conventional
7.000% · 3% down · PMI
$0/mo
FHA
6.500% · 3.5% down · MIP
$0/mo
Community Advantage
6.000% · 3% down · no PMI
$0/mo

Each total includes estimated property tax (1.15% of price per year) and homeowners insurance ($150/mo).

Community Advantage saves $0 a month versus standard Conventional financing on this example.

How the Community Advantage Program works

Eligibility

Based on the property

Eligibility follows the home's location, not the buyer's income or first-time status.

Down payment

3–5% down

3% down for first-time buyers, 5% minimum for repeat buyers, with flexible sources.

Mortgage insurance

None

No monthly PMI on Community Advantage loans — one of the program's biggest advantages.

Rate

Discounted

Rates run roughly 0.50%–1.50% below standard Conventional pricing, based on qualifying factors.

Ready to see what you personally qualify for?

Apply Now →

Eligible listings

Search, filter, and sort every active, eligible property across California, Florida, and Nevada. Property tax (1.15% of price/yr) and homeowners insurance ($150/mo estimate) are broken out in their own columns and included in every payment total. The savings column shows how much lower the Community Advantage payment runs each month versus standard Conventional financing.

0 listings shown
Data last updated: July 31, 2026
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Shows only homes with a Community Advantage payment at or below your monthly rent.
Total Monthly Estimate (incl. property tax & home insurance)
Address State County City Type Price Days Tax Insurance Conventional FHA Comm. Advantage Savings Get Pre-Approved Agent