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Ohio Heroes Program

Ohioans working in critical professions can take advantage of a special first-time homebuyer program with a lower interest rate. Ohio heroes make a difference in our lives by working hard in critical jobs every day. OHFA is proud to offer all the benefits of our First-Time Homebuyer Program to Ohio’s heroes at a .25% lower interest rate.

Do I Qualify?
The Ohio Heroes Program is available to the following full-time employees who are:
  • Active Military, Active Reserve, or a Veteran – Qualified Active Duty Service personnel include Armed Services or Reserve Forces. Qualified veterans include military members honorably discharged from any branch of the U.S. Armed Forces.
  • Firefighters, Emergency Medical Technicians or Paramedics – Sworn paid members of a fire department whose regular duties include fire suppression or prevention, emergency medical response, hazardous materials response.
  • Health Care Workers – Certified, accredited, or licensed health care workers who are employed full-time as a medical resident or fellow, dental hygienist, nurse, nursing assistant, pharmacist, pharmacy technician, physician’s assistant, medical technician, technologist, or therapist.
  • Police Officers – Individuals commissioned as a police officer by a federal, state, county, or municipal or township government, or a public or private college or university; must be sworn to uphold, and make arrests for violations of federal, state, county, municipal, or township law or respond to terrorism.
  • Teachers – Individuals employed full-time by an accredited or state recognized public school, private school, or federal, state, county, or municipal educational agency as a state-certified classroom teacher or administrator in grades K-12 or higher education.
Applicants for the Ohio Heroes Program must:
  • Meet OHFA’s income and purchase price limits. 
  • Be a first-time homebuyer—someone who has not owned or had an ownership interest in his/her principal residence in the last three years. Not a first-time homebuyer?
  • Be creditworthy. Minimum credit scores may apply.
  • Have a signed Purchase and Sales Agreement.
  • Qualify for the loan being requested. Lenders will assess your ability to afford a home by considering income, assets, job stability, liabilities, and other criteria.

OPTION FINANCIAL, LLC
6551 Harrison Avenue, Cincinnati, OH  45247
Office:  (513) 598-5900
Fax:  (513) 598-5153
foberle@optionfinancial.com
Copyright © 2017 Option Financial, LLC (NMLS #2380)
A subsidiary of New Foundation Savings Bank (NMLS #487896)

Copyright © 2008 OPTION FINANCIAL, LLC

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