OHFA Shield for Oklahoma EMTs and paramedics

Who is covered

OHFA Shield covers people currently employed by an EMS provider, including EMTs and paramedics. Your lender verifies your current employment with that provider.

The EMS wording is broader than the firefighter and police wording: it names the provider, not a city. If your role or employer type is unusual, an OHFA-approved lender can confirm it.

OHFA 4 Schools (formerly OHFA 4Teachers) and OHFA Shield are special rates on the Oklahoma Housing Finance Agency's Gold loan. You get 0.125% off the posted Gold rate, plus 3.5% of the loan amount as a 0% interest second mortgage with no monthly payment. That second mortgage is not a grant and is not forgiven: you repay it when you sell, refinance, transfer the home, stop living in it, or the first mortgage ends.

Working for EMSA or a local service

Whether you work for EMSA in the Oklahoma City or Tulsa area or a smaller local provider, the test is the same: current employment with an EMS provider.

Shift and overtime pay

OHFA counts annualized gross income from everyone 18 and older in the home. Bring a full year of pay history so your lender can measure it against your county limit.

Papers to have handy

• Recent pay stubs from your EMS provider
• Employer contact for verification
• W-2s and tax returns
• Income documents for every household member 18 and older

Questions people ask

Other jobs that count

• Teachers & school employees
• Police officers & sheriffs
• Firefighters
• Oklahoma state employees