Ohio Heroes

Ohio Heroes

The Ohio Housing Finance Agency's (OHFA) Ohio Heroes rewards Ohio residents who serve the public with a discounted mortgage interest rate.


Am I Eligible?

You may qualify for an OHFA homebuyer program if you meet one of the criteria listed below:

  • You meet income and purchase price limits.
  • You meet the credit score requirements.
    • Conventional, USDA, VA and FHA 203(k) Loans = 640 or higher
    • FHA 203(b) Loans: 660 or higher
  • You work in one of the following careers:
    • Veterans, active duty military members or members of reserve components (including surviving spouses)
    • Police officers, firefighters, volunteer firefighters, EMTs and paramedics
    • Health care workers, including physicians, nurse practitioners, nurses (RN and LPN) and patient care assistants
    • Teachers (pre-K through grade 12), administrators and counselors

You can choose to include down payment assistance in your Ohio Heroes loan. Down payment assistance is forgiven after seven years. If you sell or refinance your home within seven years, you must repay all of the assistance provided.

* Please view a complete list of eligibility criteria.


Homebuyer Education

Qualified buyers are required to complete free homebuyer education. OHFA's streamlined education program allows you to complete a course offered by any U.S. Department of Housing and Urban Development (HUD)-approved counseling agency in Ohio. Please note, OHFA homebuyer education is not completed until after homebuyer has submitted their loan application with their loan officer.


How Do I Apply?

OHFA works with lenders, credit unions and mortgage companies across the state. Find an OHFA-approved lender in your area, along with tips to help you with the application process, or call us toll-free at 888.362.6432.

 

The Ohio Housing Finance Agency | 57 East Main Street | Columbus, Ohio 43215
Toll Free 888.362.6432 | Phone 614.466.7970 | Fax 614.644.5393 | TDD 614.466.1940

John Kasich, Governor, State of OhioLegal Statement and Policies

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