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You deserve a place to call home where you can go and relax at the end of your long days. Our team at Hero Home Programs™ is committed to helping healthcare workers become homeowners. We are here to help you get the home financing you need.
Meet your financial goals with free financial coaching and counseling services to reduce your debt and more from Apprisen. The Ohio Housing Finance Agency's Ohio Heroes rewards Ohio residents who serve the public with a discounted mortgage interest rate. Lenders will assess your ability to afford a home by considering income, assets, job stability, liabilities, and other criteria. Because of this many people will skip this step entirely. Connect with the Heroes First Team and find out if your eligible for Heroes Protection Plus benefits.
What is the Ohio Heroes Program?
OHFA’s Target Area Loan Program helps revitalize federally-designated target areas by making our affordable first-time homebuyer loan products and competitive interest rates available to ANY qualifying buyer purchasing a home in these areas. The homebuying process is complex and can confuse even seasoned home purchasers. As a healthcare worker, you don’t necessarily have the time or energy to deal with all the ins and outs of homebuying. That’s where we step in, streamlining the process and helping you each step of the way. Plus, you get to benefit from a range of savings with our healthcare home loans, enjoying everything from rebates to vendor discounts. It’s home buying made simple for healthcare professionals.
Whether you are paid or volunteer, active or retired, our First Responders program is there for you during your home purchase. A full range of buyer benefits for first responders can help you save thousands. Down Payment Assistance but you are not required to use this assistance if you have your own down payment sources or choose not to make a down payment on your VA loan.
Hero Home Programs™
Check requirements for the First-Time Homebuyer Program, Target Area Loan Program, and Ohio Heroes Program. Applicants for the First-Time Homebuyer Program must meet OHFA income limits, and properties must meet purchase price limits. Military service personnel, first responders, teachers, renters, and healthcare providers all have hero home loan options available to them. Qualification for specific programs depends on occupation and where a Hero is looking to purchase a home. VA mortgage loans feature a zero down payment option, but for those who choose to make a down payment there are some definite perks aside from saving more money over the lifetime of the loan by paying interest on a smaller principal loan amount. Not all the OHFA options are right for veterans, but many are.
We want our work to provide you with the same level of service that you need and deserve. Contact our specialists right away to start exploring how we can help you achieve homeownership. Imagine a world where you can save money for the future, protect your family, and still close on a home. Our program works with you to ensure that you get a tailored fit that is the best answer for you and yours.
A Home Loan for Everyday Heroes
Grant money is available for income-eligible applicants, that does not have to be repaid. Recent college graduates, including those earning a postgraduate degree, may be eligible to receive 2.5% of their home's purchase price to help pay for down payment and closing costs when you apply within 18 months of earning your degree. We offer home loans for nurses and all healthcare professionals. Whether you save through discounted rates or through vendor discounts, you will experience savings on your mortgage with us.
You can choose to include down payment assistance in your Ohio Heroes loan. If you sell or refinance your home within seven years, your down payment assistance may be forgiven if you sell then buy another home in the state of Ohio. Refinanced loans do require a prorated recapture of the down payment assistance.
OHFA will issue a grant in an amount for 2.5% of your home's purchase price. OHFA will issue a grant in an amount up to 2.5% of your home's purchase price. To qualify for an OHFA loan, you must also qualify as a first-time homebuyer. Homes for Heroes, Inc. is the largest nationwide network of affiliate real estate, mortgage, and local business specialists; committed to providing easy ways for heroes to save on a home. VA borrowers who put five percent down or ten percent down may be eligible for a reduced VA Loan Funding Fee as a result; that is one reason some choose to put money down.
Those who serve, protect and care for our communities deserve a reward for their selflessness and hard work. The Heroes First Team is proud to give back to these everyday heroes by providing specialty mortgage financing to minimize their cost when buying or refinancing a home. We will be with you during each stage of the homebuying process. We know what you do each and every day in your work, and how much you help people.
You make our world a better place and for that reason, we want to give back to you. As a government employee, you work to advance the lives of your fellow citizens. We’d like to pay it forward by helping you achieve your dream of owning a home. These Rural Development Loans are designed to encourage Ohio first responders to consider homes outside of the major cities, with about 97% of properties in the state being considered eligible.
Qualified veterans include military members honorably discharged from any branch of the U.S. In rural India, men, women and children are still trekking on foot for miles to retrieve water, receive medical attention and services, or cultivate food. India’s rural population is still often stuck using basic forms of transport such as cattle-drawn carts, rickshaws and makeshift vehicles, which are known locally as jugaads. These vehicles are slow, can be unsafe and sometimes difficult to maneuver.
A home is one of the largest investment decisions you can make and our local specialists understand how important their role is in making it happen for you. A physician loan can come with sizable benefits such as no money down or an easy approval process. Whatever option you choose, we work with you to make sure that it is the most viable option for you and your financial future. We want you to have financial freedom and true financial options down the road.
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