There is still time to start the application process if you or you know someone who works in a fire department, police station, emergency medical technician, paramedics, in a private-public-or parochial school setting that is looking to purchase or refinance. The $500 credit towards closing costs is also available to those who volunteer or are retired from the same industries. Call or text me at 816-914-9685 or send an email to saradeere@openmortgage.com.