Are there any mortgage programs available for teachers?

Yes. Teachers can pair standard mortgages (Conventional, FHA, USDA, or VA for eligible veterans) with educator savings through The CARE Network — including real estate rebates, lender credits toward closing costs, and discounted partner services. Availability and amounts depend on location, partner participation, and loan guidelines.

Do teachers get home-buying discounts or rebates?

Through The CARE Network, participating agents give back a portion of their commission as a credit at closing (or a post-closing rebate where required by state law). Many educators also receive lender credits and fee discounts from partner providers. All credits must be disclosed on the Closing Disclosure and fit your loan’s contribution limits.

Are there down payment assistance (DPA) programs for teachers near me?

Often, yes — and The CARE Network can help you identify local state/city/county DPA or grants that may be stacked with your educator rebate (subject to program and loan limits). Expect income/purchase-price caps, owner-occupancy, and a homebuyer education course.

Do private school or homeschool teachers qualify, or is this only for public educators?

The CARE Network welcomes public, private/charter, and homeschool educators. You’ll typically provide simple proof of service (ID badge, employment/affiliation letter, or documentation showing primary homeschool instruction responsibility).

Will an educator rebate affect my interest rate or appraisal?

No. The CARE Network educator rebate/credit reduces closing costs; it doesn’t change your appraisal or interest rate (unless you explicitly trade pricing for credits). Your lender will confirm what’s allowed and ensure the credit appears correctly on the Closing Disclosure.

Real Estate Rebates for

FULL-TIME CARETAKERS

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Exclusive Savings for Full-Time Caretakers

Caring for a loved one is one of the most selfless and demanding responsibilities anyone can take on. Whether you’re a parent providing full-time care for a disabled or terminally ill child, or an adult child caring for an elderly parent, your dedication shapes lives every single day. To honor that commitment, we offer exclusive real estate and mortgage savings designed to make buying, selling, or refinancing a home more affordable for the people who give so much to their families and communities.

What You Get

Real estate rebate — when you buy or sell a home with a Realtor in The CARE Network, you’ll receive a 25% rebate on your agent’s commission at closing.
Lender credits — lenders in The CARE Network offer rebates of up to $500 (or more, in some cases).*
Discounted professional services — savings with participating attorneys/title companies, home inspectors, and other providers.
Stackable savings — when allowed, combine your caretaker benefits with local down payment assistance (DPA), grants, seller concessions, or builder incentives.

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How We Help Full-Time Caretakers

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Exclusive Real Estate Rebates

When you buy or sell a home with an agent in The CARE Network, they’ll rebate 25% of their commission back to you at closing!* For an average transaction, that’s $2,885 in your pocket!

*Conditions apply

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Mortgage and Other Business Rebates

Need a mortgage, or plan to refinance your home? We have a network of lenders who give up to $1,800 in lender credits!

We also have a network of home inspectors, roofers, plumbers, and many others – all who offer exclusive discounts for active military families and veterans.

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Your Choice of Any Agent

Our program is unique because we allow you to work with any agent you choose, whether it’s one of our preferred agents, a “RamseyTrusted” agent, or your next door neighbor!*

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*Conditions apply. RamseyTrusted a trademark owned by Ramsey Solutions. It is used for informational purposes only and does not constitute an endorsement.

Frequently Asked Questions

Are there special mortgage programs for full-time caregivers?

While there aren’t widely available mortgages labeled specifically for caregivers, The CARE Network offers exclusive savings — including real estate commission rebates, lender credits, and discounted services — that can significantly lower your costs. You may also qualify for certain state or nonprofit programs designed for low-to-moderate-income households, which can be combined with our benefits.

Can I still qualify for a mortgage if my income comes from caregiving or disability-related benefits?

Yes — depending on the lender and the type of benefits you receive. Many lenders will count steady benefits such as Social Security Disability Insurance (SSDI), Supplemental Security Income (SSI), or certain caregiver stipends as qualifying income. The CARE Network can connect you with lenders experienced in working with unique caregiver income situations.

I live with the person I care for — can I still get these savings if we buy or sell together?

Absolutely. Whether you’re purchasing jointly or selling a shared home, as long as you work with a CARE Network Realtor and/or lender, you can take advantage of the commission rebate, lender credits, and service discounts.

Can I combine The CARE Network benefits with down payment assistance or grants?

In most cases, yes. Many caregivers use our rebates and credits alongside down payment assistance (DPA) programs, nonprofit housing grants, or builder incentives. Our team will help ensure everything is structured to meet lender guidelines.

If I buy a home for someone I take care of, do I qualify for any special mortgage programs?

There aren’t many nationwide mortgage programs created specifically for caregivers, but you may still qualify for valuable options. If the person you care for has a disability or is a veteran, certain programs — like VA loans, USDA loans, or state disability housing assistance — may apply. Some lenders also allow you to use your own income (or a combination of yours and the care recipient’s benefits) to qualify, even if the home will be primarily for them. Through The CARE Network, you’ll also receive our exclusive savings — a 25% real estate commission rebate, lender credits, and discounted services — regardless of whether the home is for you or for the person you care for.

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CONTACT

Phone: (803) 825-8087

Email: info@agentsforheroes.org

The CARE Network is a real estate company based in South Carolina. All referral fees go through NorthGroup Real Estate – Nick Thiele (License #142366).

Cashback savings are available in most states, but not all. You are not required to work with any particular agent to be eligible for our Cashback Savings, however, your real estate agent must approve of the savings prior to signing any agreements with that agent. Savings are typically calculated as a % of your agent’s commission, so factors including, but not limited to, the negotiated commission percentage and new construction incentives, may influence the final savings amount.