IDA’s of Pima County/City of Tucson – Homebuyer’s Solution Program
Note – for details, see the Administrator’s Guidelines under GUIDE & FORMS


  • Continuous Funding
  • eHP System available 24/7, 365:
  • Reservations Locks are open on business days 8:00am-6:00pm PDT (11-9 pm EDT)

  • Reservation to UW Cert: 25 days (cancelled on 26th day)
  • Reservation to Loan Purchase: 70 days
  • Any loan not purchased within 70 days is ineligible for purchase unless the lender chooses a one-time only 30-day extension.
  • To request an extension, click here.
    Note: Extensions are not granted to extend the 25 days UW Certification requirement.
  • Pima County & City of Tucson
  • There is no first-time homebuyer requirement in this program.
  • Principal residence, must occupy the property within 60 days of closing.
  • Government – FHA, VA, USDA-RD
  • Conventional – Freddie Mac HFA Advantage
  • non repayable grant
  • Three offering levels of Assistance 3%, 4%, or 5%
  • see Rates Tab for details
  • Household income = 1003 Credit Qualifying Income (not co-signor’s).  Please see guidelines.
    • Limit is $83,020 for all household sizes NEW 4/24
  • None
  • Required for ALL Borrowers (Note or Warranty Deed)
  • see guidelines
  • Co-Signers are permitted
  • Approval by the IDA’s of Pima/Tucson & US Bank. See Participating Lender Tab
  • All forms and guidelines are located within the system.
    • Login, and within the loan, click on Forms or from menu select FORMS (including the DPA Funds Request)
  • Provides information and training concerning the mortgage loan file, acceptable loan products, delivery and funding, reviews/purchases the mortgage file
  • Servicer Lender Guides, Click here
  • If you need assistance getting to the Servicer Lender Guides, Click here. To contact US Bank Lender Help Desk, Click here.

Current Rate/Offerings –  Reservation/locks – AVAILABLE from 8:00am-6:00pm PDT (11-9 EDT excluding weekends & holidays)

Rate/Offerings Lock Rate FICO DPA Effective Date
USDA-RD or VA 4.875% 640 w/4% 4/20
FHA 660 w/4%
FHA w/Manual UW 660 w/3%
FHA 640-659 w/3%
FHA 5.125% 660 w/5% 4/17
FHA w/Manual UW 660 w/4%
FHA 640-659 w/4%
FHA w/Manual UW 640-659 w/3%
HFA Advantage 5.125% 640 w/4% 4/4


  • All Loans are Assisted Rate Loans
  • 30 Year, Fixed Rate, Amortized
  • Manual underwriting for FHA loans is NOT ACCEPTED unless specifically noted above
  • manufactured homes not allowed

* Most current rates are available online after you login


  • 3%, 4% & 5% options are offered for down payment Assistance – the First Mortgage rate/offerings determine the assistance
  • non-repayable grant
  • System will calculate based on the final loan amount
  • funded by Agency at closing. Please refer to guidelines.


eHousingPlus is the Program Administrator, and provides some of the following services:


Administrator Guidelines (4/20)  Administrator's Guidelines 6/30 7/8

  • Provides the web-based program loan reservation and management system, Administrator’s Guidelines, Program forms, Lender Program and System Training, Notices and updates to Lenders, Compliance Support to Lenders, Reviews Compliance Files, Timelines, Works with the Agency and Master Servicer on Program Goals.
  • Need help, Click heremail

Program Sample Forms form 7-15

Certification/Affidavit (in case needed to disclose up-front prior to the loan’s reservation) form 7-15

The Following Lenders have been approved to originate loans in this Program:


Academy Mortgage Corporation
 American Neighborhood Mortgage Acceptance Company, LLC (AnnieMac)
 American Pacific Mortgage Corporation
AmeriFirst Financial, Inc.
 Bay Equity LLC
 BMO Harris Bank
Broker Solutions, Inc. DBA New American Funding
Castle & Cooke Mortgage, LLC.
 Churchill Mortgage
Citywide Home Loans
Cornerstone Home Lending, Inc.
 Corridor Mortgage Group, Inc.
Cross Country Mortgage
DHI Mortgage
Envoy Mortgage
Everett Financial, Inc. d/b/a Supreme Lending
Fairway Independent Mortgage
Finance of America Mortgage, LLC
First Mortgage Company, LLC.
Guild Mortgage
Home Community Mortgage
Homeowners Financial Group USA, LLC
HomeServices Lending LLC dba Long Mortgage Company
 Intercontinental Capital Group, Inc.
LendSmart Mortgage, LLC
 LHM Financial Corp dba CNN Mortgage, LLC bda iMortgage
Loan Star Home Loans, LLC.
Movement Mortgage LLC
 Network Funding L.P.
 New Penn Financial, LLC
NFM, Inc
Nova Home Loans
Peoples Home Equity, Inc.
Peoples Mortgage (Moria Development Inc dba Peoples Mortgage Company)
Platinum Home Mortgage
Primary Residential Mortgage
Prime Lending, A Plains Capital Company
Priority Lending
Pulte Mortgage
 Residential Bancorp, Inc.
 Right Start Mortgage, Inc
 RPM Mortgage
 Stearns Lending LLC
 Suburban Mortgage Inc.
Summit Funding, Inc.
Sunstreet Mortgage, LLC
Universal American Mortgage Co.
V.I.P. Mortgage, Inc.
Wallick & Volk Inc.
Waterstone Mortgage Corporation
Interested in becoming a participating lender? Contact us.
Program Updates
  • 3/3 – removed Indian Home Loans
  • 12/1 – MANUFACTURED HOMES are eliminated
  • 10/9 – Guidelines updated (US Bank fees)
  • 10/3 – Guidelines updated/revised
  • 6/29 – The conventional product, HFA Advantage will be available on 7/1
  • 3/18 – Income limits increased. see guidelines.
  • 1/1/15 – Section 184 loans are permitted
  • 9/16 – Additional Assistance Options are added
  • 9/2 – Income limits increased to 78,820
  • 6/9 – Updated guidelines – servicer fee
  • 5/1 – Updated guidelines – changes to USB fee
  • 4/2 – Manufactured housing meeting US Bank guidelines is allowed
  • 3/18 – guidelines update, format
  • 2/3 – daily lock hours updated
  • 12/5 – USDA reinstated
  • 10/1 – USDA-RD – New reservations temporarily suspended due to government shutdown
  • 8/23 – Reservation to UW Certification has been changed from 15 days to 25 days
  • 8/22 – updated buydown
  • 47/1/2013 – Mortgagee Letter 2013-14
  • 3/6/13 – Updated Administrator’s Guide
  • NEW DPA Funds Request Form now available on-line
  • 2012 Program Starts 12/18 – All lenders must attend eHP Program Training. (See Training Tab)
  1. As Soon as Your Lending Institution Is Fully Approved to Participate in This Program, and You Have Attended Program Training, You Will Receive an Email with Instructions on How to Attend System Training.
  2. Once You Have Completed System Training, You Will Be Able to Request Your User Credentials.
  3. Once We Process Your Request You Will Receive Your UserID with a Temporary Password.
  4. After You Log in for the First Time, You Will Be Prompted to Change Your Password.

2009 Working Group

EhousingPlus University
eHP Lender Program Training

  1. Required for everyone participating in the program
  2. offered 24/7
  3. Click here to attend Program training
eHP System Training*

  1. After you complete the online Lender Program Training, information is provided as to what happens next.
  2. Visit our systems training page to register for eHP System Training
Should you have any questions on training, please contact

To read more about eHP Program Training, click here.

* System Training is required at least once, so that users gain the knowledge necessary to originate and manage their loans on-line. eHP University provides additional opportunities to re-train and/or refresh your system knowledge. Recurring (experienced) system users do not need to attend system training.