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Home Loan Programs For Our First Responders

  1. Federal Housing Administration (FHA) Loans:

    • Low down payment requirements.
    • Flexible credit score criteria.
  2. Department of Veterans Affairs (VA) Loans:

    • Exclusive to eligible veterans, active-duty military members, and surviving spouses.
    • Often offer favorable terms, including no down payment.
  3. USDA Rural Development Loans:

    • Designed for eligible rural and suburban homebuyers.
    • No down payment required.
  4. State and Local Programs:

    • Many states and local governments offer assistance programs for first responders.
    • These may include down payment assistance, low-interest loans, or grants.
  5. Good Neighbor Next Door Program:

    • HUD-sponsored program for eligible law enforcement officers, teachers, firefighters, and emergency medical technicians.
    • Offers a significant discount (50%) on the list price of a home in designated revitalization areas.
  6. Heroes Earning Assistance and Relief Tax Act (HEART):

    • Various states have implemented HEART programs providing financial assistance to first responders.
    • Can include down payment assistance, low-interest loans, or other financial benefits.
  7. Employer-Sponsored Programs:

    • Some first responder employers may partner with lenders to offer specific home loan benefits or assistance.