The Heroes' Path to Homeownership: 

Special Loans and Down Payment Assistance for Educators, Firefighters, and First Responders

Welcome, Hero!

You protect, heal, teach, and serve. You are the backbone of our community and our nation. At NEXA Lending we believe your extraordinary service deserves extraordinary savings when it comes to buying, selling, or refinancing your home.

The Homes For Heroes program is the largest nationwide network offering significant rebates and discounts to the men and women who serve us every day.

Are You a Hero?

You qualify for the Homes For Heroes benefits if you are a:

• Military: Active Duty, Reserve, National Guard, and Veterans.
• Law Enforcement: Police Officers, Sheriff's Deputies, State Troopers, and all other law enforcement personnel.
• Firefighter & EMS: Firefighters, EMTs, Paramedics, and all emergency service personnel.
• Healthcare Professional: Nurses, Doctors, Allied Health Workers, and all medical staff.
• Educator: Teachers, School Administrators, and School District Employees.

How the Program Works: Simple. Transparent. No Catch.

The Homes For Heroes program is a special program created to say "Thank You." 

Every day, you step up to serve and protect our communities. As teachers, firefighters, police officers, and EMTs, you deserve to live in the communities you dedicate your lives to serving. Yet, the financial barriers of a down payment and closing costs can often make the dream of homeownership feel out of reach.

The good news? There are numerous dedicated programs and special loans designed to break down these barriers for our community heroes. Here is your essential guide to unlocking down payment assistance and special loan programs.

The Power of Down Payment Assistance (DPA)

A down payment is often the single largest hurdle to buying a home. DPA programs are specifically created to cover this cost, making it possible to get into a home with little to no money down.

Grants vs. Forgivable Loans

For heroes, down payment assistance often comes in two forms:

• Grants: This is essentially free money that never has to be repaid. Many state and local housing finance agencies (like the Texas State Affordable Housing Corporation, or TSAHC) offer grants to eligible teachers and first responders.
• Forgivable Second Liens: This is a second mortgage with 0% interest and no monthly payments. The loan is fully "forgiven" (meaning you don't have to pay it back) after a set period, often three to five years, as long as you remain in the home.

Ready to Begin Your Home Journey?

Our local real estate agents, loan officers, and closing service providers are here to serve you with the same dedication you've shown your community.

Take the First Step Today