Texas Teacher and First Responder Home Loan Programs
The short answer
Yes, Texas has programs aimed at teachers, first responders and other public servants, and they may offer down payment help or other benefits. Availability, funding and eligibility change often, so it pays to check what's open right now.
What to look into
- State housing programs: The Texas State Affordable Housing Corporation has offered programs for eligible teachers, first responders and veterans in the past.
- Down payment assistance: Some programs help with down payment or closing costs. Funds, income limits and purchase price limits vary.
- Local and employer options: Some districts, cities or employers offer their own help, so ask your HR team.
- Standard loans still work: FHA, VA and conventional loans are available alongside any special program.
How to get started
- List your profession, years of service and household income.
- Ask a mortgage professional which programs are currently open.
- Compare the program's terms to a standard loan before deciding.
More on getting started: Down payment help for first-time buyers in Texas.
Frequently asked questions
Do I have to be a first-time buyer?
Some programs require it and some don't. Rules vary by program.
Can I combine programs?
Sometimes. It depends on each program's rules and your lender's guidelines.
Let's see what's available for you. Call (469) 414-5554 or start here: https://mohavemortgages.net/home-texas.
By Kelly Welton, Mortgage Broker (NMLS #314183), Mohave Mortgage Texas Branch. Mohave Mortgage NMLS #1830581 · Texas Branch NMLS #2690682 · Equal Housing Opportunity. General information only, not a commitment to lend or financial advice. Programs, rates and guidelines vary and change.
