A firefighter-owned mortgage brokerage in Boca Raton, serving Texas EMTs and paramedics across every metro in the state. TSAHC Homes for Texas Heroes specialists. $0 lender fees for first responders. The income-structuring expertise national lenders skip on EMT or paramedic files.
Texas runs one of the country's strongest hero-specific DPA programs (TSAHC Homes for Texas Heroes — built for firefighters, peace officers, EMS, teachers, and veterans). Most national lenders don't have wholesale access to it; we do. Combined with TDHCA's My First Texas Home, Texas EMTs and paramedics have more layered DPA options than most states.
⚠️ Lender access varies — we verify wholesale channel availability before quoting.
This page is for Texas EMTs and paramedics specifically — buying or refinancing anywhere in the state.
30-year fixed mortgage with a DPA grant OR second-lien option through the Texas State Affordable Housing Corporation. Built specifically for teachers, teacher aides, school librarians, school counselors, school nurses, peace officers, firefighters, EMS personnel, corrections officers, and veterans/active military.
Broader DPA program for eligible Texas buyers who do not qualify under Homes for Texas Heroes. 30-year fixed + DPA grant or second lien.
Texas Department of Housing & Community Affairs first-time/veteran/targeted-area program with low-interest mortgages + DPA.
Annual federal tax credit (up to $2,000/year) for eligible Texas buyers, stackable with the above.
Zero down, no PMI, reduced funding fee for disability-rated veterans. For EMTs and paramedics who served before joining their current field, we structure dual-eligible files that often clear closing with $0 out of pocket.
HUD federal program — 50% off the list price on HUD-owned properties in designated revitalization areas. Texas EMTs & Paramedics qualify (program also covers police, EMTs, paramedics, and K-12 teachers). 36-month occupancy commitment. Pairs with FHA financing.
For files that don't fit a DPA program — 3.5% down FHA, 3-5% down conventional, or non-QM bank-statement loans for EMTs and paramedics with 1099 side income. Every Texas station has one.
EMS work is built on irregular shifts and mandatory OT. A 24-month trailing average — not just base salary — is what counts. Most national lenders skip the mandatory OT entirely.
Paramedic certification, critical care, flight medic, instructor, FTO — each one adds to base pay. We attach the certification matrix to the file so underwriting reads it correctly.
Many EMTs and paramedics work at a primary agency PLUS a hospital ER, a private transport service, or a per-diem ambulance contract. Each W-2 counts. We structure the file to show stable total income across all sources.
Per-diem and PRN ambulance shifts count as qualifying income with a 24-month history and continuity letter from the employer. National lenders sometimes treat this as 'temporary' — it isn't.
New EMT-Bs, new paramedics, and academy-to-field transitions often face pushback. We document the licensure + employment + prior medical/military background to satisfy continuity rules.
We close mortgages in every Texas county. The cities and metros where Texas EMTs and paramedics most commonly buy:
Yes. With a 24-month history, shift pay, overtime, and certification differentials all count toward qualifying income. We've placed Texas EMS files where the variable components moved the qualifying loan amount by $50,000–$110,000.
Common in EMS. Both W-2s count when each shows stable 24-month income. We document the schedules so underwriting can confirm continuity for both — and we make sure the total income picture is presented in one cohesive narrative.
Yes. GNND eligibility includes EMTs and paramedics for HUD-owned properties in designated revitalization areas — 50% off list price with a 36-month occupancy commitment. We screen GNND inventory weekly for our EMS files.
If you're a Texas EMT or paramedic — active, retired, or family of — we know how to structure your file. No documents required to start. No commitment.