Local Mortgage Programs That Help Heroes Afford Their Dream Home

For many of our community’s heroes—military members, police officers, firefighters, healthcare workers, and teachers—owning a home is a dream that can feel just out of reach. But the good news is, there are mortgage programs designed specifically to make homeownership more affordable for those who serve our communities every day.

Whether you're buying your first home or relocating to a new neighborhood, here are several local and national mortgage programs that can make your dream home more attainable.

1. NDHFA FirstHome Program (North Dakota Housing Finance Agency)

If you're a first-time homebuyer in North Dakota, the NDHFA’s FirstHome program is a fantastic option. It’s especially beneficial for income-qualified hometown heroes.

Key Benefits:

• Below-market interest rates
  
  

• Down payment and closing cost assistance
  
  

• Available to military veterans, law enforcement officers, EMTs, and teachers
  
  

• Can be combined with other local assistance programs
  
  

Eligibility:

• Must meet income limits (which vary by county and family size)
  
  

• Purchase price limits apply
  
  

• Home must be your primary residence
  
  

👉 Local Tip: In Fargo and surrounding areas, there are lenders familiar with this program who can guide you through the process quickly and efficiently.

2. Minnesota Housing Start Up Program

If you're house hunting on the Minnesota side of the river, Minnesota Housing’s Start Up Program provides affordable fixed-rate mortgage options and help with down payments.

Key Benefits:

• 3%–5% down payment assistance loan options
  
  

• Works with FHA, VA, USDA, and conventional loans
  
  

• Can be used by first-time homebuyers and returning buyers if using certain loans
  
  

Special Add-On for Heroes:

• Teachers, nurses, and first responders may qualify for enhanced support through partner lenders
  
  

3. Katie’s Hometown Heroes Program

At the heart of everything I do is a passion for helping those who serve our community. That’s why I created Katie’s Hometown Heroes Program—a personalized real estate incentive program just for local heroes.

Who Qualifies:

• Active duty military and veterans
  
  

• Police officers, firefighters, and EMS
  
  

• Nurses, doctors, and healthcare professionals
  
  

• Teachers and school staff
  
  

Program Benefits:

• Rebates or credits toward closing costs (ask for current savings available)
  
  

• Discounted services from trusted local partners
  
  

• Priority access to new listings and local housing grants
  
  

• One-on-one guidance tailored to your career and schedule
  
  

This is my way of saying thank you—not just with words, but with meaningful savings on one of life’s biggest purchases.

4. VA Home Loans for Veterans and Active-Duty Military

The VA Loan is one of the most powerful homebuying tools available for military service members, veterans, and some surviving spouses.

Benefits:

• No down payment required
  
  

• No private mortgage insurance (PMI)
  
  

• Competitive interest rates
  
  

• Flexible credit requirements
  
  

Eligibility:

• Must meet service time requirements or be a surviving spouse of a veteran
  
  

If you're stationed at or retired from nearby bases or have recently separated from the military, this is one of the most affordable paths to homeownership.

5. Good Neighbor Next Door Program (HUD)

Although limited in availability, the Good Neighbor Next Door program offers deeply discounted homes to teachers, law enforcement officers, firefighters, and EMTs.

Key Feature:

• 50% off the list price of eligible HUD homes
  
  

• Must commit to living in the home for at least 36 months
  
  

Note: These homes are only in revitalization areas and inventory can be limited, but it’s worth exploring for the right buyer.

How to Get Started

Navigating these programs can feel overwhelming, but that’s where a knowledgeable real estate agent and lender come in. I work closely with local lenders who understand the unique benefits available to hometown heroes in the Fargo-Moorhead region.

If you're ready to explore your options and see how these programs can be combined to maximize your savings, I’d love to help.

Final Thoughts

You’ve dedicated your life to serving others—now it’s time to make your dream of homeownership a reality. With the right support and the right programs, you can move into a home you love, without overextending your budget.

If you’re ready to take the first step, reach out today for a free homebuyer consultation through Katie’s Hometown Heroes Program—built just for you.