Homes for Texas Heroes Program
If you work in the public safety sector, or if you are a licensed teacher or a military veteran, there is a home loan assistance program made especially for you! The Homes for Texas Heroes Program helps teachers, veterans, firefighters, police officers, corrections officers, and medical first responders obtain loans and down payment assistance. If you belong to one of these professions, you can qualify for a 30-year fixed rate mortgage and much more, even if you’re not a first-time homebuyer. The Homes for Texas Heroes is just one of many down payment assistance programs Txhomenow will connect you with.
We discover down payment assistance programs available to Texas homebuyers and help you qualify for them. We do this by taking your information and finding out if you pass our eligibility requirements. Our requirements are virtually identical to those used by the down payment assistance programs. Any adult homebuyer who meets our requirements is welcome to apply.
Who are Texas Heroes?
This program was designed to help the people who serve and protect us each day, whether that service comes in the form of military duty, public safety, or education. It focuses on the following professions:
Teachers. Techers must work at a K-12 public Texas school. Included professions are classroom teachers, teachers’ aides, school librarians, school nurses, and school counselors.
Peace Officers. Any person elected, employed, or appointed as a full-time peace officer under Article 2.12, Code of Criminal Procedure, Section 51.212 or 51.214, Education Code, or other law. Peace officers are licensed through the Texas Commission on Law Enforcement (TCOLE).
Firefighters. Permanent, full-time fire department employees who are not secretaries, stenographers, clerks, budget analysts, or similar support staff persons or other administrative employees and who are assigned duties in fire suppression, fire inspection, fire and arson investigation, marine firefighting, aircraft rescue and firefighting, fire training, fire education, fire administration, and any other position necessarily or customarily related to fire prevention or suppression.
Allied Health Faculty Member. A full-time member of the faculty of an undergraduate or graduate allied health program of a public or private institution of higher education in the state.
Nursing Faculty Member. A full-time member of either an undergraduate or graduate professional nursing program.
EMS Personnel. Emergency medical services personnel means full-time emergency care attendant, emergency medical technicians, emergency medical technicians-intermediate, emergency medical technicians-paramedic, or licensed paramedic.
Corrections Officers. All full-time employees of the Texas Department of Criminal Justice (TDCJ) who receive hazardous duty pay. Hazardous duty pay employees must have a VOE through TDCJ.
Juvenile Corrections Officers. All full-time employees of the Texas Juvenile Justice Department (TJJD) who receive hazardous duty pay. Juvenile corrections officers must have a VOE through TJJD.
County Jailer. Any person employed full-time as a county jail guard under Section 85.005, Local Government Code. County jailers are licensed through the Texas Commission on Law Enforcement (TCOLE).
Veterans. A person who is serving on active duty, at the time of application, assigned to a military base or facility in Texas, and has officially designated Texas as the applicant’s home of record. DD214 or discharge paper proves military service.
- A 30-year fixed interest rate mortgage loan, several rates and loan options available
- Down payment assistance (DPA) provided as a grant or repayable second lien loan
- DPA available for up to 6% of the loan amount
- You do not have to be a first-time homebuyer
- Available statewide through a network of participating lenders
- Income limits vary by county. Expanded income and purchase price limits available in targeted areas.
First-time buyers can also apply for a Mortgage Credit Certificate (MCC). Texas Heroes who use our DPA and MCC assistance together will receive their MCC for FREE—a $500 savings!
What About Other Professions?
If you don’t meet the profession requirements for the Homes for Texas Heroes program, you can still qualify for many other programs in the state of Texas. For example, TSAHC’s Home Sweet Texas Home Loan is available to low and moderate-income home buyers, regardless of their profession. You can take their eligibility quiz online to see if you meet the income requirements.
Txhomenow: Welcome to Your Texas Home!
We help homebuyers in Dallas, Fort Worth, Denton, and all the 13 counties in the DFW Metroplex. When you’re ready to buy a home in Texas, we’re ready to help you over the hurdle of a too-high down payment. Call us today to get started!
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