Teachers, school counselors, administrators, and education support professionals 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 to confirm your eligibility.
OYH educator programs recognize the full spectrum of education professionals — from PreK classroom teachers to university faculty to education support staff.
If you work in education in any capacity, we'll confirm your eligibility as part of a free, no-obligation review. Private school, charter school, and homeschool co-op educators may also qualify.
OYH consolidates multiple programs so eligible educators get every dollar they've earned — without spending hours searching for programs that may or may not apply to them.
Eligible educators 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 educators with our featured mortgage partner, Direct Rate, for preferred rates and reduced fees — available to buyers within the OYH trusted partner network.
Many states offer teacher-specific down payment assistance programs — including Good Neighbor Next Door and similar initiatives. Our team identifies every program available in your area.
Get matched with a vetted real estate agent who understands educator budgets, school-year timelines, and the specific needs of buyers on teacher income.
Moving to teach in a new district or state? Our relocation program helps educators navigate the sale of an existing home, new purchase, and cross-state transition nationwide.
If your score needs improvement before qualifying, our in-house credit repair team builds a personalized plan. We work with educators at every credit level — no one is turned away.
Teachers are among the most dedicated professionals in the country — and among the most underserved when it comes to homebuying support. Here's what we consistently hear.
Starting teacher salaries in many states make saving for a 20% down payment nearly impossible while managing student loans and everyday expenses.
Teachers who receive 10-month pay spread over 12 months — or receive summer pay differently — can face unexpected challenges when lenders review income documentation.
Many teachers want to live in the communities they serve — but rising home prices in those areas put homeownership out of reach without additional assistance.
Federal, state, and local educator homebuying programs exist — but they're scattered, complicated, and often unknown to the buyers who need them most.
Whether you're buying your first home in your school district or moving to teach in a new area, OYH has a program path designed for your situation.
Get matched with a vetted agent and preferred mortgage partner, access rebates and incentives, and move through the buying process with a team that understands your budget and calendar.
Moving to a new district, state, or school? Our relocation program helps educators sell their current home and buy in a new location — with support on both sides of the move.
Full-time K-12 teachers at public or private schools serving low-income areas may qualify for HUD's Good Neighbor Next Door program — which offers eligible buyers a 50% discount on the list price of specific HUD-owned homes. We'll help you identify if properties are available in your area and walk you through the application process.
We know educators are busiest from September through June. Our process fits your schedule — not the other way around.
Fill out the form. We confirm your educator status and identify every benefit program available to you in your area — federal, state, and local.
We match you with a vetted agent and mortgage advisor who understand educator income, summer schedules, and school-year timelines.
We identify every stackable incentive — OYH rebates, GNND eligibility, state 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 savings in your pocket on moving day.
Teaching income — with its 10-month contracts, summer pay gaps, stipends, and tenure structures — can be difficult for some lenders to evaluate fairly. Our featured trusted partner, Direct Rate, has experience working with educator income structures and connects eligible teachers to preferred rates within the OYH network.
You are always free to work with the lender of your choice.
Preferred rates available through Direct Rate, LLC, NMLS #2320473, within the OYH trusted partner network. Not required to use. Subject to eligibility, underwriting, and approval.
OwningYourHouse.com connects eligible educators with our featured trusted mortgage partner, Direct Rate, for preferred rates and expert guidance. You are always free to work with the lender of your choice — but OYH network members may qualify for preferred rates and reduced fees when financing through Direct Rate.
Preferred rates available through Direct Rate, LLC, NMLS #2320473, when financing within the OYH trusted partner network. Not required to use. Subject to eligibility and approval.
Educator benefits can often be combined with other OYH programs. Check each to see what stacks for your situation.
Clear answers to the questions educators ask most when exploring homebuying programs.
A free educator 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.