OHFA Shield

Who qualifies

Firefighters, Law enforcement officers, Emergency medical technicians (EMTs), Paramedics

What support you get

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.

Do you repay it?

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.

How to apply

Contact an OHFA participating lender to use OHFA's Homebuyer Down Payment Assistance products and access Shield pricing.

Official source evidence

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.

View official source

Official documents

• Program page
• FAQ
• Application portal
• Agency contact
• Rates or bulletin