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Homes for Texas Heroes Loan Program
Hero Neighbor Next Door

The Program that gives back for your Service!

The Homes for Texas Heroes is a Home Loan Program that provides home buyer assistance to Teachers, Police Officers, Correctional Officers, Firefighters, EMS Personnel, and Veterans. 

Professional Educators

Peace Officer

Correctional Officers

Firefighters & EMS Personnel 


Allied Health Facility Membe

County Jailer

Juvenile Corrections Officers

Nursing Facility Member

Security Officer

About The Program

The Homes for Texas Heroes is a Home Loan Program that provides home buyer assistance to Teachers, Police Officers, Correctional Officers, Firefighters, EMS Personnel, and Veterans. 

Receive a 30-year fixed interest rate mortgage loan. Different Loan and Rate Options.

Down payment assistance of 3% to 5% of the loan amount.

First-time homebuyer not required.

There is no requirement to live in the home for any set period of time, like with the GNND program.

The Down Payment Assistance is a gift that you will never need to pay back. The program is available statewide through a participating lenders.


First-time buyers may also apply for a Mortgage Credit Certificate. 

The Texas Heroes who use the Down Payment assistance and the Mortgage Credit Certificate program together will receive assistance together will receive their Mortgage Credit Certificate for free. This will save you $500!


For First-time home buyers and those that do not own a home or have owned a home in the last three years. You will be able to use the Mortgage Credit Certificates, you will receive up to $2,000 as a special tax credit every year, which will save thousands of dollars over the life of your loan.


Requirements are that all home buyers must complete a home buyer

education course prior to closing on their home loan. You may complete the education course by clicking here

Below is a list of Eligible Participants.

Allied Health Faculty Member - A full-time member of a faculty of a graduate or undergraduate allied health program of a private or public institution of higher education in the State of Texas.

Corrections Officer - A full-time employee of the (TDCJ) Texas Department of Criminal Justice who receives hazardous duty pay. These employees must have a Verification of Employment through TDCJ.

County Jailer - A person employed full-time as a county jailer or jail guard under section 85.005, Local Government Code. All County jailers must be licensed through the Texas Commission on Law Enforcement. 

Emergency Medical Personnel. – Emergency medical services personnel that are full-time must meet the criteria below:                          

  1. Emergency medical technicians-intermediate.

  2. Licensed paramedic.

  3. Emergency medical technicians-paramedic; or licensed paramedic.

  4. Emergency care attendant.

  5. Emergency medical technicians.

Firefighter – A Permanent, full-time fire department employee , except for clerks, budget analysts, stenographers, secretaries, or similar administrative employees or staff who are assigned duties in one or more of the following categories:

  1. marine firefighting.

  2. fire and arson investigation.

  3. aircraft rescue and firefighting.

  4. fire training;

  5. fire education;

  6. fire administration; and Any other position necessarily or customarily related to fire prevention or suppression.

  7. fire suppression;

  8. fire inspection;

Juvenile Corrections Officer– Full-time employees of the Texas Juvenile Justice Department and receive hazardous duty pay. Juvenile corrections officers must have a verification of employment through the Texas Juvenile Justice Department.

Nursing Faculty Member- Full-time member of either a graduate or undergraduate or professional nursing program.

Peace Officer - Must be a employed full-time as an, elected, or appointed Peace Officer, or other law. Peace officers must be licensed through the Texas Commission on Law Enforcement

Professional Educator – Must be working full-time within a public K-12 School:

  1. Classroom teacher.

  2. Teacher aide.

  3. School nurse.

  4. School librarian.

  5. School counselor certified 

Public Security Officer - Must be appointed or employed full-time as an armed

security officer or political subdivision by the state of Texas.  The Program does include a security officer employed by a private security company that contracts with state of Texas or a political subdivision of the State of Texas to provide security services for the entity. Public security officer must be licensed through the Texas Commission on Law Enforcement.

Veteran - Must be a Veteran who served at least 90 days, unless discharged by reason of a service-connected disability prior to 90 days, on active duty in the Air Force, Coast Guard, Army, or Navy, Marine Corps United States Public Health Service of the United States after September 16, 1940, and must not have been dishonorably discharged on the date of filing an application under the program from the branch of the service in which the person served. Must have at least 20 years of active or reserve military service.

  1. Must have enlisted or received an appointment in the Texas National Guard. Must have completed all initial active duty training that is required as a condition of the enlistment or appointment.  Must not have been dishonorably discharged from the Texas National Guard, or served in the armed forces of the Republic of Vietnam between February 28, 1961 and May 7, 1975.

  2. Must be at the time of the person's enlistment, appointment, commissioning, or drafting a resident of the State Texas, or has resided in the State of Texas at least one year immediately before the date of filing an application under this chapter.

  3. Must be a bona fide resident of the State of Texas at the time of the application. This includes the unmarried surviving spouse of a veteran who died or who is identified as missing in action if the deceased or missing veteran meets the requirements of this section, with the exception that the deceased or missing veteran need not have served 90 days under Paragraph of this subdivision, and if the deceased or missing veteran was a bona fide resident of this state at the time of enlistment, induction, commissioning, appointment, or drafting.

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