First Responder Loans
Supporting the Heroes Who Serve Us
ABOUT LOAN
What is a
First Responder Loan?
First Responder Loans are specially designed to honor and support the people who protect and care for our communities — including police officers, firefighters, EMTs, nurses, doctors, healthcare workers, and disaster relief personnel. These loan programs offer exclusive benefits like reduced rates, discounted fees, and homebuyer support to make the path to homeownership more affordable and accessible for our everyday heroes.
Who is It Best For?
Police officers, firefighters, and EMTs looking for affordable home financing
Nurses, doctors, and other healthcare workers ready to buy a home
Disaster relief personnel serving on the front lines
First-time homebuyers in public service roles
Community heroes seeking lower rates and down payment support
BENEFITS
Benefits of First Responder Loans
Lower Interest Rates
Special rate options to help reduce monthly payments
Discounted Appraisal Fees
Save on upfront costs during the homebuying process
Down Payment Assistance
Access programs to help with or fully cover your down payment
Tailored Homebuyer Education & Flexible Qualification Options
Resources designed specifically for first responders and Programs may offer credit or income flexibility for qualifying applicants
Requirements
First Responder
Requirements
Must be an eligible first responder or healthcare professional, including:
Police officers / Firefighters
EMTs & paramedics
Nurses, doctors, and healthcare workers
Disaster relief personnel
Proof of employment qualifying roles
Must be purchasing a primary residence
Other requirements vary by loan type
Loan Process
Overview
1:Get Pre-Approved
Start with a quick and easy pre-qualification.
2:Choose Your Home
Find the perfect home that meets your goals.
3:Submit Documents
We’ll help guide you through the paperwork.
4:Close Your loan
Sign, fund, and receive your keys!
education
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Valor Mortgage is powered by Encore Lending Group, LLC NMLS 1249911,
Christopher Armantrout Loan Officer NMLS 1210804
