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Texas Homes for Heroes Mortgage Program

What is Homes for Texas Heroes?

The Homes for Heroes program offers reduced lending fees, down payment assistance, and expert guidance to make homeownership more affordable and rewarding. Whether you’re buying your first home, relocating, or refinancing, our team is here to honor your commitment with dedicated service and real savings. 

Who is Eligible?

Teacher Home Mortgage
  • Full Time Professional Educators in Public Schools
         1) Teachers
         2) Teachers Aide's
         3) Librarians
         4) Counselors
         5) Nurses

  • Full Time First Responders​​

                  1) Police Officers​

                  2) Firefighters

                  3) EMS​​

  • US Military

                   1) Active Duty

                   2) Veterans

  • Full Time Corrections Officers

       1) TDCJ Guards

       2) County Jailer

Program Requirments*

  • Property in the State of Texas

  • Fixed Rate Mortgage

  • Purchase of Primary Home

  •  Income Limits*

  • Debt to Income (DTI) Limits*

  • Credit Score Minimums

    • 620 for Government (FHA, VA, USDA)​

    • 640 for Conventional

* Income Limits vary by county

*Rates and terms subject to change without notice. All mortgage applications are subject to underwriting approval. Conditions, fees, and restrictions may apply. Not all applicants will qualify.

First Responder Home Mortgage
Teacher Home Mortgage

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1951 E. Continental Blvd Southlake, TX 76092

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USAF Veteran Owned and Operated

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*Rates and terms subject to change without notice. All mortgage applications are subject to underwriting approval. Conditions, fees, and restrictions may apply. Not all applicants will qualify. Defender Mortgage is a licensed mortgage brokerage. License # 2183544 . 

NMLS ID # 2183544

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