First responders across the country may qualify for up to $4,500 in homebuyer rebates and incentives, preferred mortgage rates, and exclusive savings through the OwningYourHouse.com trusted partner network.
Select your role and we'll confirm what benefits you may qualify for.
OwningYourHouse.com recognizes all categories of first responders — not just police and fire. If your work puts you in service of public safety, we want to help you get home.
If you serve in any public safety or emergency services capacity, we'll confirm eligibility as part of a free review. No cost, no obligation.
OYH consolidates multiple programs and incentives so eligible first responders get every dollar they've earned without having to hunt it down themselves.
Eligible first responders working within the OYH trusted partner network may qualify for up to $4,500 in rebates and incentives at closing. Availability and amounts vary by program and location.
OYH connects eligible first responders with our featured mortgage partner, Direct Rate, for preferred rates and reduced fees — exclusive to buyers within the OYH trusted partner network.
First responders may qualify for state and local down payment assistance programs on top of OYH incentives. Our team identifies all stacking opportunities available in your area.
Get matched with a vetted real estate agent in our network who understands first responder schedules, relocation needs, and shift-work timelines. No pressure, no obligation.
Relocating for a new position or post? Our relocation assistance program helps first responders navigate the sale of an existing home, new purchase, and moving support nationwide.
If your credit score needs work before you qualify, our in-house credit repair team builds a personalized plan. We work with first responders at every credit level — no one is turned away.
Whether you're buying your first home, upgrading, or selling and relocating, OYH has a program path built around your schedule and your service.
Get matched with a trusted agent and preferred mortgage partner, access rebates and incentives, and move through the buying process with a team that respects your schedule.
Selling your home due to a new post, transfer, or career move? Our relocation program provides reduced listing support, buyer matching, and cross-state transition guidance.
We know first responders don't have 9-to-5 availability. Our process is designed to work around shift work, overtime, and irregular hours.
Fill out the form or call us. We confirm your first responder status and identify every benefit program available in your area.
We match you with a vetted agent and mortgage advisor who understand your schedule, timeline, and specific situation.
We identify every stackable incentive — OYH rebates, down payment assistance programs, and preferred mortgage rates — so you get the maximum benefit available.
Your team guides you from offer to close. Rebates and incentives are applied at closing — you see real dollars back in your pocket.
OwningYourHouse.com connects eligible first responders with our featured trusted partner, Direct Rate, for preferred mortgage rates and reduced fees. You are always free to work with the lender of your choice — but OYH network members may qualify for preferred rates when financing through Direct Rate.
Preferred rates available through Direct Rate, LLC, NMLS #2320473, when financing within the OYH trusted partner network. You are not required to use any specific lender. Subject to eligibility, underwriting, and approval.
We have a dedicated program page for New York City first responders — covering NYPD, FDNY, NYC paramedics, Port Authority officers, and more. If you serve in the five boroughs or surrounding areas, visit our NYC-specific page for tailored programs and local resources.
NYPD · FDNY · Port Authority · NYC EMS
OYH connects first responders with our featured trusted mortgage partner, Direct Rate, for preferred rates and expert guidance. Whether you're buying, refinancing, or exploring your options, our team understands the financial realities of public safety careers — irregular income, shift differentials, overtime, and pension planning.
Preferred rates available through Direct Rate, LLC, NMLS #2320473, when financing within the OYH trusted partner network. Subject to eligibility and approval.
First responder benefits can often be combined with other OYH programs. Check each to see what you qualify for.
Clear answers to the questions we hear most from first responder homebuyers.
A free eligibility check takes minutes. We'll confirm your status, identify every program available in your area, and connect you with the right team to move forward.