First Responders – Nurses – Teacher Loans

Teachers, law enforcement, first responders, and nurses are all vital to our communities. We offer the STARprogram to these professionals with incentives and reduced fees.

It’s our way of saying thank you for the vital services each of these professions provides to our communities.

Product highlights

Available for teachers, law enforcement, firefighters, first responders, and nurses
Retired or currently full-time employed professionals eligible (proof required)
Available with FHA, VA, and conventional loans
Teachers/Principals/School Counselors: Retired* or currently full-time employed with a teaching credential in a public/private K-12 school
Police/Sheriff/Highway Patrol/Trooper/Border Patrol/ Correctional Officers: Retired* or currently full-time employed with city/county/ state/federal law enforcement
Firefighters/First Responders: Retired* or currently full-time employed with city/county/ state or private company
Nurses: Retired* (RN and CNA) or currently full-time employed in a hospital or clinic
Reduced lender fees for eligible buyers
Gift funds can be used for 100% of the home purchase down payment

Borrower advantages

Reduce lending fees by as much as $800
Can be easier to obtain a mortgage with DPA options to give more purchasing power and less out-of-pocket expenses
Reduce monthly mortgage payment with lender paid mortgage insurance
Take advantage of a float-down option if rates go down prior to signing loan documents

Realtor advantages

Expand your homebuyer pipeline to include teachers, police, fire fighters, first responders and correctional officers
Give your buyer more purchase power with 100% gift fund DPA and/or lender paid mortgage insurance options
Reduction in lender fees only given to our Star professionals

What Clients Say About Us

“Daniel was great! Very efficient and very friendly. He always got back to us in a timely manner and always called us to explain things rather than just texting. Very personable guy! Very quick as well! We closed 2 weeks sooner than expected. I cannot say enough nice things about preferred rate, I definitely recommend them to everyone!”

Megan H

“I cannot put into words how amazing Dan and his team were during this whole process. They consistently went above and beyond to ensure I was fully taken care of. Not working with a realtor was a bad call on my part, but Dan was there every step; and a few bumps, offering unbiased advice and making sure I was taken care of. This momma and her girl tribe finally have a place of their own to call home; I am so thankful for Dan and his team!”

Savannah C

“This is my second home purchase using Dan. He is great to work with, he explains everything and is always there to answer any questions.

Update: When rates dropped early October 2025, Dan reached out to let me know and we knocked the refinance quickly. Dan is also always quick to answer questions no matter time or day of the week. No one else I’d rather do business with.”

Nate W

“We don’t have enough good things to say about Bihn Group! We tried to buy a house years ago and were consistently disappointed, houses sold out from under us, etc. so we gave up! We reached out to Dan this time around and he was so efficient and kind about everything! He answered all of our questions with honesty and we were so lucky to find our dream house as quickly as we did. Our son hasn’t stopped running around in our yard since we moved in! Thank you, Dan and Bihn Group for helping us achieve this goal in life!”

Taylor S

“Thank you for making a dream a reality. For years my husband, kids and I would talk about the perfect house we would have one day. It’s easy to find a house but difficult to get the keys and even more difficult to tell your kids this one didn’t work out. Dan, thank you for directing and clearing the path to our new home. We are extremely grateful!”

The McCulley’s