Mortgages for Columbus Firefighters

Firefighters put their lives on the line each day to protect citizens and their property when disaster strikes. When others run from danger, these dedicated civil servants answer the call to make a difference in our Columbus community.

In recognition of their exceptional service, there are several programs that exist to help firefighters buy homes in Ohio.

The Ohio Housing Finance Agency (OHFA) offers a discounted mortgage rate for firefighters through the Ohio Heroes program. To qualify, applicants must meet the following requirements:

• Must be employed in a qualifying profession, including firefighters and volunteer firefighters
• Must meet income requirements and purchase price limits.
• Debt-to-income ratios for loan type must be met
• Credit score requirements for loan type must be met. (Conventional, USDA and VA Loans: 640 or higher. FHA Loans: 650 or higher)

Firefighters may also receive down payment assistance through the Ohio Heroes program! Mortgage Lender Columbus is your OHFA-approved lender for these and other loans. Take the quiz to see if you qualify for this program.

The US Department of Housing and Urban Development (HUD) offers homebuying incentives to public servants through the Good Neighbor Next Door program. Firefighters and others who qualify can receive a discount of 50% from the list price of eligible homes. Participants must commit to living in the property for 36 months as their sole residence. Though the discounts available through this program are attractive, only homes located in communities targeted by HUD for revitalization are eligible.

As its name suggests, the Firefighter Next Door program offers a wide range of benefits for full-time and volunteer firefighters who are purchasing a home. EMT, EMS, and other fire department support staff have accessibility to the program as well.

Benefits of the Firefighter Next Door program include:

• Grants for purchasing a home between $1,000-$4,170, or up to $6,000 in certain areas
• Reduced title fees
• Down payment assistance up to $10,681
• No application fee or broker fees
• Streamlined refinance process
• Free appraisal (cash grant of $545 on closing)

Unlike the Good Neighbor Next Door program, these benefits can be applied to the purchase of a home in any area around Columbus with no minimum residency requirements.

Mortgage Lender Columbus is here to assist Ohio Firefighters utilize the wide network of programs available to them to purchase a home. Complete for form below to learn more about how the Ohio Heroes program can benefit you.