Franklin Direct, powered by Franklin Loan Center
Justin Walsh
Justin Walsh
Branch Manager · NMLS #968831
(949) 298-7060

Community Advantage Program
eligible listings across San Diego County

Every home below qualifies for the program — significant rate discounts, low down payment, and no PMI. Search, filter, and share with your buyers.

Up to 1.5%
lower interest rate
Zero PMI
no mortgage insurance, ever
3% down payment No lender fees 640 min FICO $832,750 max loan
0 eligible listings shown
Tap any address to view it on Zillow ↗
Address City / ZIP Type Price Days MLS # Listing Agent

Program eligibility & resources

Eligibility is based on the property’s location — and it’s not restricted to first-time buyers. Share the program flyer with your buyers, and contact Justin for specific San Diego County address eligibility.

How the Community Advantage Program works

For buyers, the program can shave hundreds off the monthly payment through a discounted rate and no PMI. For agents, it lets you place a conventional offer. Eligibility is based on the property’s location and is not restricted to first-time buyers.

  • Must be a primary residence
  • 640 minimum credit score
  • Property must be in an eligible area
  • 3% down payment
  • Discounted rates of up to 1.5% based on borrower qualifying factors
  • Fixed-rate loans for 15, 20 & 30-year terms, plus Temporary Buydown
  • No mortgage insurance · follows conventional loan qualifications

What agents & clients say

Why borrowers and referral partners trust Justin and the Franklin Direct team.

★★★★★ 5.0 100+ Google reviews Read our Google reviews →
★★★★★

“When I was looking to refi I had no idea how easy it could be. Justin and his team made the process so incredibly easy — from start to finish we signed docs and closed in ten days. Definitely working with his team again!”

AJ Giersch
Refinance client
★★★★★

“Justin and Christel did an outstanding job helping my family finance our new home. We’re a military family with a VA loan, which they handled brilliantly, and Justin made himself available at all hours to answer our many questions.”

Verified client
VA home purchase
★★★★★

“Justin was so personable and professional, and did a great job walking us through each step. He explained what was happening in the market in a way that made sense, without overcomplicating it.”

Verified client
Home purchase