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Homes for Texas Heroes

Are you a Veteran, First Responder, or Educator and also looking to buy a home? We can help! See details below. 

Contact a Loan Officer

Our Homes for Texas Heroes program helps our community heroes buy a new home. 


  • Must be a member of one of the following categories:
    • First Responder - Proof of full time employment as a Firefighter, EMS Personnel, Peace Officer, Corrections Officer (TDCJ or TJJD), County Jailer or Public Security Officer
    • Educator - Proof of employment as a public full-time classroom teacher, public full-time paid teacher’s aide, public full-time school librarian, public full-time school counselor or public full-time school nurse. In addition, can include allied health or professional nursing program faculty member.
    • Veterans - Must furnish at minimum a DD-214 or DD-215 form (for the federal armed forces) and Honorable Discharge Papers, DD-256 form (for Reservists) and Honorable Discharge Papers, or NGB Form 22 or NGB Form 22-a and Honorable Discharge Papers (for National Guard Members). Other forms accepted in place of Honorable Discharge Papers are a Military ID Card or Veterans ID Card.
  • Purchase as a Primary Residence a 1-4 Family Home
  • Minimum Credit Score of 720 for at least one borrower, if joint application
  • 5% Down Payment

Documentation Needed for Mortgage Loan Approval

Following is a summary list of various documentation required to complete the loan approval process. Other documentation may be required given a borrower's specific situation, i.e. self employed borrowers may be requested to provide additional financial information on the corporation/company.

Residential Loan Application

  • Completed Loan Application with Signatures
  • Copy of Sales Contract (If Purchase Money)

Income Information

  • Pay Stubs for the Most Recent 30 day Period
  • IRS W-2 Forms or Tax Returns for the Previous Two Years

Deposit Information

  • Bank Statements Covering the Most Recent 3 Month Period
  • Major Deposit/Investment Account Information

Miscellaneous Information

  • Divorce Decree (If Applicable)
  • Verification of Child Support or
  • Any Additional Income - if disclosed and is needed to qualify for a specific loan amount.

 Contact a Loan Officer to Apply


For a $120,000 loan with a term of 360 months with an APR of 4.165% - the principal and interest payment will be $572.21, after a 5% down payment requirement. APR = Annual Percentage Rate. These rates are effective as of January 27, 2020. Available rates may change without notice. This program is subject to termination at any time.

All loans are subject to credit and underwriting approval. Certain product exclusions may apply. Loan to Value Ratio (LTV) not to exceed 90%. Loans with less than 20% equity will require PMI insurance, escrow requirements will also apply. Not valid for a second home. First lien only. Certain fees and restrictions may apply, or other terms and conditions may apply. Contact your Mortgage Lender for details.


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