Buying a home feels out of reach?

First Responder Home Loans in Texas: Secure Your Home with Just 1% Down

Our 1% Down First Responder Home Loan helps you buy a home with less upfront cost, better loan options, and a faster approval process.

5/5

Explore our clients' reviews on:

Nature's Symphony

Breathtaking colors of our planet
Button

Texas' Top Mortgage Lenders Since 1996

$7B+

In Funded Home Loans

What is 1% Down First Responder Home Loan Program?


A Program Tailored to Serve Texas’ First Responders


The 1% Down First Responder Home Loan Program is a mortgage solution designed specifically for Texas’ first responders - those who dedicate their lives to serving and protecting our communities.


This program makes homeownership accessible by allowing eligible first responders to purchase a home with just 1% down.


Whether you’re a firefighter, police officer, EMT, or paramedic, this program is tailored to meet your unique financial needs, making it easier for you to secure a home in the Lone Star State.


first responder home loans


  • Keep More of Your Savings with 1% Down


Instead of paying 3-5% down on a home, you only need 1%. On a $300,000 home, that means:

  • Typical down payment: $9,000–$15,000+

  • With our program: $3,000

That’s thousands saved - money that can go toward moving costs, home upgrades, or an emergency fund.


  • Get the Best Mortgage Terms


Not all lenders offer the same rates and terms. We compare multiple lenders to ensure you get the most competitive mortgage - one that fits your budget and long-term goals.


  • Move in Sooner with Fast Approvals


Long approval waits can cause you to miss out on a great home. With in-house underwriting, approvals happen in as little as one day - helping you secure a home faster.


  • Choose the Right Loan for You


Whether you prefer a Conventional, FHA, or VA loan, this program gives you flexibility to choose the best option for your financial situation.

How it Works: Our Simple, Hassle Free, 100% Online Mortgage Application

Buying a home can seem complicated, but with the 1% Down First Responder Loan Program, the process is designed to be simple, fast, and hassle-free. Here’s how it works:

01

Submit a Quick Pre-Approval Form

Start by filling out a simple form online. This helps us understand your financial situation and determine your eligibility.

Apply Now

02

Get a Custom Mortgage Quote

We shop multiple lenders to find the best mortgage rates and terms for your specific needs. Instead of you searching for deals, we do the work for you.

03

Submit Your Documents Online

Once you choose the best loan option, you’ll need to upload documents to verify your income, employment, and financial status.

04

Get Approved, Fast!

With in-house underwriting, we speed up the approval process. Unlike traditional banks that take weeks, your loan can be approved in as little as one day.

Put your mortgage to work for you

Cash out

Leverage your investment and take advantage of the equity your home has built for years.

Great For

Renovating your home

Paying down high-interest debt

Use my equity

Lower payments

Increase your financial security by refinancing to lower your monthly mortgage payment.

Great For

Increasing cash flow

Saving for retirement

Lower my payment

Reduce loan term

Why wait when you can refinance into a shorter term and pay your mortgage off.

Great For

Reducing interest
Paying off mortgages faster

Reduce my term
first responder home mortgage

Get Started Today


Buying a home doesn’t have to be stressful. With the 1% Down First Responder Loan Program, the process is simple, fast, and designed to fit your needs.


Submit your pre-approval form today and take the first step toward homeownership!

Apply Now

Frequently Asked Questions

Got a question? We are here to help.

  • What is a 1% down payment first responder home loan?

    A 1% down payment first responder home loan is a mortgage program specifically designed to assist first responders, such as firefighters, police officers, paramedics, and other emergency personnel, in purchasing a home. It allows them to make a down payment of only 1% of the home's purchase price.

  • Who is eligible for a 1% down payment first responder home loan?

    Eligibility typically includes individuals who work as first responders, such as firefighters, police officers, EMTs, and paramedics. Specific eligibility requirements can vary depending on the lender and program, so it's important to check with them for their specific guidelines.

  • What are the benefits of a 1% down payment first responder home loan?

    The main benefit is that it reduces the upfront cost of purchasing a home for first responders. With a lower down payment requirement, it can make homeownership more accessible and affordable for those serving in essential emergency roles.

  • Are there any income requirements for a 1% down payment first responder home loan?

    Income requirements can vary among lenders and programs. Typically, lenders assess the borrower's income and financial stability as part of the loan approval process. It's important to inquire with the lender about their specific income requirements.

  • Can this loan program be used for both primary residences and investment properties?

    The loan program is generally intended for purchasing primary residences. It may not be applicable to investment properties or second homes. However, specific program details can vary, so it's advisable to consult with the lender for their guidelines.

  • Is mortgage insurance required with a 1% down payment first responder home loan?

    Mortgage insurance requirements can vary based on the loan program and lender. In some cases, mortgage insurance may be required for loans with a low down payment. It's best to consult with the lender for specific details regarding mortgage insurance.

  • How can I find lenders offering 1% down payment first responder home loans?

    Researching and contacting local mortgage lenders, credit unions, or specialized programs for first responders can help identify lenders offering this type of loan. Online resources and mortgage brokers can also provide additional options.

  • Are there any special incentives or benefits attached to 1% down payment first responder home loans?

    Some loan programs may offer additional incentives or benefits for first responders, such as down payment assistance, reduced interest rates, or flexible qualification criteria. It's important to explore different loan programs to determine what benefits are available.

  • What are the potential drawbacks or considerations of a 1% down payment first responder home loan?

    It's crucial to consider the overall cost of the loan, including interest rates, mortgage insurance, and closing costs. Additionally, borrowers should assess their ability to afford the monthly mortgage payments and evaluate the long-term financial implications.

  • Are these loan programs available nationwide?

    The availability of 1% down payment first responder home loans can vary depending on the lender and region. Some programs may be offered nationwide, while others might be limited to specific states or areas. Researching local options or consulting with mortgage professionals can provide more information on availability.