Oklahoma program
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Eligible Shield borrowers receive a 0.125% reduction from OHFA's posted GOLD rate and access 3.50% down payment assistance when using the required OHFA Homebuyer Down Payment Assistance product.
Multiple assistance options
Standard first-mortgage repayment applies for the special-rate first mortgage. The associated down payment assistance is a 0% second mortgage with no monthly payment, and the DPA second mortgage becomes due on maturity of the first mortgage, sale or refinance of the first mortgage, or transfer of ownership or primary residency status.
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Firefighters, Law enforcement officers, Emergency medical technicians (EMTs), Paramedics
Eligible Shield borrowers receive a 0.125% reduction from OHFA's posted GOLD rate and access 3.50% down payment assistance when using the required OHFA Homebuyer Down Payment Assistance product.
Standard first-mortgage repayment applies for the special-rate first mortgage. The associated down payment assistance is a 0% second mortgage with no monthly payment, and the DPA second mortgage becomes due on maturity of the first mortgage, sale or refinance of the first mortgage, or transfer of ownership or primary residency status.
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Shield rate discount
Support type: Below-market first mortgage rate discount
Amount or structure: 0.125% reduction from OHFA's posted GOLD rate.
Repayment: Check official rules
Who it fits: Firefighters, Law enforcement officers, Emergency medical technicians (EMTs), Paramedics
Shield down payment assistance add-on
Support type: Deferred second mortgage
Amount or structure: 3.50% down payment assistance through OHFA's required DPA product.
Repayment: Repay later on trigger
Who it fits: Firefighters, Law enforcement officers, Emergency medical technicians (EMTs), Paramedics
Contact an OHFA participating lender to use OHFA's Homebuyer Down Payment Assistance products and access Shield pricing.
For OHFA Shield loans, participating lenders reserve and lock in OHFA's portal; OHFA starts a 72-hour review after upload notice, reviews conditions within 24 hours, funds DPA at closing, and requires post-closing documents within 5 business days.
OHFA's Special Interest Rates for Public Servants page says Shield rates are available to firefighters, law enforcement, and EMS personnel who use OHFA Homebuyer Down Payment Assistance products, buy in Oklahoma, occupy the home as a primary residence within 60 days, and have a middle credit score of 640 or greater. OHFA's interest-rates page dated April 10, 2026 shows the current 4Schools/Shield/State Employees pricing at 5.500% for GOLD GOVERNMENT and 6.375% for GOLD FREDDIE, each with 3.50% down payment assistance. OHFA's GOLD product guides state eligible Shield borrowers receive a 0.125% rate reduction from the posted GOLD rate and that the 3.50% assistance is a 0% second mortgage due on maturity, sale or refinance, or transfer of ownership or primary residency status.
2026-04-13
Interest rates effective 10:00 a.m. - April 10, 2026.
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Amount: Eligible Shield borrowers receive a 0.125% reduction from OHFA's posted GOLD rate and access 3.50% down payment assistance when using the required OHFA Homebuyer Down Payment Assistance product.
Repayment: Standard first-mortgage repayment applies for the special-rate first mortgage. The associated down payment assistance is a 0% second mortgage with no monthly payment, and the DPA second mortgage becomes due on maturity of the first mortgage, sale or refinance of the first mortgage, or transfer of ownership or primary residency status.
First-time buyer: Unknown
Timing: For OHFA Shield loans, participating lenders reserve and lock in OHFA's portal; OHFA starts a 72-hour review after upload notice, reviews conditions within 24 hours, funds DPA at closing, and requires post-closing documents within 5 business days.
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