Hero Loans by State
Exclusive home loan programs for educators, healthcare workers,
first responders, veterans, and public servants.
Available
Coming soon
West
South
Northeast
Midwest
Who qualifies for Hero Loans?
🎓Educators
- K–12 Public School Teachers
- Private School Teachers
- Special Education Teachers
- School Principals
- Assistant Principals
- School Counselors
- School Psychologists
- Speech-Language Pathologists
- Occupational Therapists (school)
- Teaching Assistants / Aides
- Substitute Teachers
- College & University Faculty
- Community College Instructors
- Vocational / Trade School Teachers
- Librarians (school-based)
- School Nurses
- After-School Program Staff
Note: Most state programs are built around K-12 public school employment. Private school, substitute, and aide roles may still qualify for programs like Good Neighbor Next Door, but rules differ from public school staff — verify your employer type.
🏥Healthcare Workers
- Registered Nurses (RN)
- Licensed Practical Nurses (LPN)
- Nurse Practitioners (NP)
- Certified Nursing Assistants (CNA)
- Physicians & Surgeons
- Physician Assistants (PA)
- Dentists & Dental Hygienists
- Pharmacists & Pharmacy Techs
- Physical Therapists (PT)
- Occupational Therapists (OT)
- Respiratory Therapists
- Radiologists & X-ray Techs
- Lab Technicians & Phlebotomists
- Mental Health Counselors
- Social Workers (medical)
- Home Health Aides
- Dialysis Technicians
- Surgical Technologists
Note: eligibility can vary slightly by employer type (hospital, nonprofit, or private clinic) — verify with your state HFA if you work for a for-profit private practice.
🚒First Responders
- Police Officers
- Sheriff's Deputies
- State Troopers / Highway Patrol
- Federal Law Enforcement (FBI, DEA…)
- Firefighters (career & volunteer)
- Fire Captains & Chiefs
- EMTs (Emergency Medical Technicians)
- Paramedics
- 911 Dispatchers
- Search & Rescue Personnel
- Corrections Officers
- Probation & Parole Officers
- Border Patrol Agents
- Coast Guard (non-military)
- Disaster Relief Workers (FEMA)
Note: state-run programs generally favor state/local employees — federal law enforcement may need a federal option like a VA loan instead.
🎖️Veterans & Military
- Active Duty — Army
- Active Duty — Navy
- Active Duty — Air Force
- Active Duty — Marines
- Active Duty — Space Force
- Active Duty — Coast Guard
- Army / Navy / Air Force Reserves
- National Guard Members
- Honorably Discharged Veterans
- Disabled Veterans
- Surviving Spouses of Veterans
- Military Retirees
- Gold Star Families
🏛️Public Servants
- Federal Government Employees
- State Government Employees
- City / County Government Workers
- Municipal Utility Workers
- Public Transit Workers
- Postal Service Workers (USPS)
- Public Works & Sanitation
- Child Protective Services (CPS)
- Social Workers (government)
- Public Defenders
- Court & Judicial Staff
- Public Health Officials
- Animal Control Officers
- Public Library Staff
- Nonprofit Organization Workers
- AmeriCorps / Peace Corps Members
Note: Programs listing government employees typically require federal, state, or municipal employment — general nonprofits are only eligible if the specific organization type is recognized by that program. State-run programs also tend to favor state/local employees over federal employees; check which track applies to you.
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