Ohio Heroes Product

Ohio heroes make a difference in our lives by working hard in critical jobs every day. Through OHFA's Ohio Heroes product Ohio's heroes can receive all the benefits of our First-Time Homebuyer program at interest rate up to .25% lower.

Do I Qualify?

The Ohio Heroes product is available to the following full-time employees who are:

  • Active Military and Veterans – Qualified Active Duty Service personnel, including Armed Services or Reserve Forces. Reserve Forces must have at least 90 days of Active Duty service, excluding boot camp. Qualified veterans include military members honorably discharged from any branch of the US Armed Forces. Military identification and/or DD214 are required to validate credentials.
  • Fire Fighter/Emergency Medical Technician/Paramedic – Sworn full time members of a fire department whose regular duties include fire suppression or prevention, emergency medical response or hazardous materials. Full time is considered paid service for a minimum of 1,200 hours per year. Fire Fighter or an EMT certification card and paystubs are required to validate credentials. Volunteer Fire Fighters may qualify with acceptable documentation and must have a minimum 12 months experience.
  • Health Care Workers – Certified or licensed direct patient caregivers.
  • Police Officers – Commissioned as a law enforcement officer or correctional officer by a federal, state, county or municipal or township government or a public or private college or university, and employed full time. Law enforcement officer includes a sworn officer responsible for crime prevention and detection, law enforcement or response to terrorism, and must be sworn to uphold, and make arrests for violations of federal, state, county, municipal, or township law. Employer must certify commission status with the general power of arrest. Copy of Commission, Peace Officer Certification and paystubs are required to validate credentials.
  • Teachers – Employed full time by an accredited or state recognized public school, private school or federal, state county, municipal educational agency as a state-certified classroom teacher, guidance counselor or administrator/principal in grades K-12, or a full time academic instructor at a post-secondary educational institution. Full time instructors must teach a minimum 12 credit hours per academic term. License and paystubs from educational facility are required to validate credentials.

Applicants for the Ohio Heroes product must:

  • Meet OHFA's income and purchase price limits. The limits vary by county.
  • 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? Check out our Target Area Loan product.
  • Have a signed Purchase and Sales Agreement for a qualifying property.
  • 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.

[ Back to top ]

How to Apply

OHFA partners with a variety of Ohio lenders including banks, mortgage companies and credit unions to make our Ohio Heroes product available on a continuous basis year round. Learn more about the loan process or contact a participating lender to apply.

[ Back to top ]

Loan Types

To meet each homebuyer's needs, OHFA offers several different loan products including:

  • Fannie Mae conventional loans with special features and flexible terms
  • Government-insured loans including traditional FHA, VA, and USDA-RD loans

All OHFA loan products offer competitive rates and other beneficial features. Your lender can help you choose the right loan for your needs.

[ Back to top ]

Loan Features
  • Available to any qualified homebuyer
  • For new or existing homes
  • Competitive market, 30-year fixed interest rate
  • Flexible rate options
  • Available in all 88 Ohio counties
  • Generous purchase price and income limits

[ Back to top ]

Loan Fees

The following fees may apply to your loan:

  • .50% origination fee
  • $200 transfer fee
  • $85 tax service fee
  • .25% adverse market fee (conventional loans only)

[ Back to top ]

Down Payment Assistance

If you need or want assistance with your down payment and closing costs, OHFA offers Down Payment Assistance that can significantly reduce your out-of-pocket expenses.

[ Back to top ]

Homebuyer Education is Required on All OHFA Homebuyer Programs

Visit the homebuyer education page to learn more.

[ Back to top ]

About Recapture Tax

OHFA will reimburse borrowers for the full amount of any recapture tax in the rare instances where tax repayment is required. Learn more...

[ Back to top ]

Downloadable Information

You can download information about our loan products from our download center.

[ Back to top ]


Your lender and/or real estate agent can guide you through the home buying process and answer any questions you may have regarding OHFA's Ohio Heroes product. You can also check out our homeownership FAQs.

If you need additional information, please contact:

Office of Homeownership
Ohio Housing Finance Agency
57 East Main Street
Columbus, Ohio 43215

[ Back to top ]


The Ohio Housing Finance Agency is an Equal Opportunity Housing entity. Loans are available on a fair and equal basis regardless of race, color, religion, sex, familial status, national origin, military status, disability or ancestry.


home | about OHFA | programs | homeownership | renters | housing partners |
news & events | links & resources | site map | contact