Oklahoma · Rate discount

OHFA Oklahoma Heroes

Rate discount for public servants

Special discounted rates for school employees, law enforcement, firefighters, EMTs, and state employees.

OHFA's Heroes program provides a rate discount for military members, teachers, first responders, and healthcare workers purchasing in Oklahoma. The reduced interest rate saves money every month for the life of the loan — a benefit that compounds significantly over 30 years.

Oklahoma's military installations (Tinker AFB, Fort Sill, Altus AFB) anchor significant service member populations. The Heroes rate discount helps these families build equity in the communities where they serve.

AmountRate discount for public servants
TypeRate discount
Available inOklahoma
First-time buyer requiredNo
Minimum credit score640
Multi-unit eligibleSingle-family only

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down
Federal · Subsidized loan
VA Loan $0 down + no monthly mortgage insurance
Federal · Federal benefit
NACA Program $0 down + $0 closing + $0 PMI + below-market rate
National · Nonprofit program
OHFA DPA (Oklahoma) DPA for all buyer types statewide
Oklahoma · DPA program
All Oklahoma programs →

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