A firefighter-owned mortgage brokerage in Boca Raton, serving Texas police officers 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 police officer 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 police officers have more layered DPA options than most states.
⚠️ Lender access varies — we verify wholesale channel availability before quoting.
This page is for Texas police officers 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 police officers 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 Police Officers 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 police officers with 1099 side income. Every Texas department has one.
Most departments stack shift differentials (overnight, weekend, court) and pay officers for approved off-duty work (special events, traffic, security). Both count when documented over 24 months. National lenders frequently miss the off-duty income because it shows up as separate W-2 entries — we know to ask for it.
Court appearances and overtime are documented but irregular. A 24-month history with consistent annual totals counts as qualifying income. We submit it as recurring income, not a one-time bonus.
K-9, SWAT, narcotics, motorcycle, detective, sergeant grade, language certifications — each one adds to base pay and each one is documentable. We attach the department's pay matrix so underwriting sees the structure, not just a single number.
Probationary officers and recent academy graduates often face pushback on continuity-of-employment rules. We document the academy completion + department offer + prior related work (military, security, criminal justice degree) to satisfy continuity without a 1-2 year delay.
Police pension systems work like fire systems — many states offer DROP. We structure pre-DROP, in-DROP, and post-DROP files the way underwriting wants to see them, not the way the average lender botches them.
We close mortgages in every Texas county. The cities and metros where Texas police officers most commonly buy:
Yes — and both are commonly missed by national lenders. With a 24-month history, off-duty special-event pay, court time, and overtime all count toward qualifying income. We've placed Texas officer files where off-duty income alone moved the loan amount by $70,000–$120,000.
Yes. K-9, SWAT, motor unit, detective grade, language certifications, and rank differentials all count when documented on your paystub or department pay matrix. We attach the matrix to the file so underwriting sees the full structure, not just base salary.
You can usually still qualify. We document the academy completion, the department offer letter, and any prior related work (military, security, criminal justice education) to satisfy continuity-of-employment rules. No 1-2 year wait.
If you're a Texas police officer — active, retired, or family of — we know how to structure your file. No documents required to start. No commitment.