OHFA 4 Schools: home loans for Oklahoma teachers and school staff

Who is covered

OHFA's special-rates page says anyone employed by an accredited Oklahoma public, charter, or private/parochial school qualifies. The program began as OHFA 4Teachers in 2003 and was expanded to all school employees in 2025.

One caveat: OHFA's Sept 2025 Gold product guides still use the older 4TEACHERS wording, which asks for a current Oklahoma State Department of Education teaching certificate and a current contract. Certified teachers should have both ready. If you're support staff, confirm with an OHFA-approved lender how they'll document your job.

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.

Paid over 10 or 12 months?

OHFA's income limit uses annualized gross income for everyone 18 and older in the household. Your lender works out the yearly figure from your contract and pay stubs, so a summer pay gap doesn't change the math.

Private, charter and parochial schools

You don't have to work for a public district. Accredited charter and private or parochial schools are on OHFA's list too.

Papers to have handy

• Recent pay stubs and your employer's contact for verification
• Oklahoma teaching certificate and current contract (certified teachers)
• W-2s and tax returns
• Income documents for every household member 18 and older

Questions people ask

Other jobs that count

• Police officers & sheriffs
• Firefighters
• EMTs & paramedics
• Oklahoma state employees