City and County of Denver

City and County of Denver – Denver ’13 Metro Mortgage Assistance Plus Program
Note – for details, see the Administrator’s Guidelines under GUIDE & FORMS



Lender / Program Portal




  • Program funds are available first-come, first-served from a continuously funded revolving pool.
  • RESERVATIONS/Locks are OPEN on business days from  8 AM to 6 PM Mountain (10 – 8 Eastern)
  • All other functions in the program are available 24/7
  • Mortgage loans can only be made within the incorporated areas of:  (It is the lenders responsibility to make sure the property is incorporated)
    • the City and County of Denver
  • Mortgage loans can only be made within the incorporated areas of Participating MMC cities:
    • City of Arvada, City of Aurora, City of Boulder, City of Brighton, City of Broomfield, City of Centennial, City of Commerce City, City of Dacono, City of Edgewater, City of Englewood, City of Golden, City of Lakewood, City of Littleton, City of Parker, City of Sheridan, City of Thornton, City of Westminster, City of Wheat Ridge, Town of Bennett, Town of Firestone, Town of Castle Rock
  • Mortgage loans can be made within the unincorporated areas of:
    • Arapahoe, Boulder and Jefferson Counties
LOAN TIME LINE REQUIREMENTS DO NOT RESERVE EARLY:   Must complete Underwriter Certification by 15th day

  • Reservation to UW Certification: 15 days
  • Reservation to Close: 45 days
  • 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 a one-time 30-day extension, click here.
  • Extensions are not granted to extend the 15 days from Reservation to UW Certification
  • No First-Time buyer requirement
  • Must be Principal Residence
  • Must occupy within 60 days of closing
  • FHA, VA
  • Freddie Mac HFA Advantage
  • no USDA-RD
  • Assistance is 4% of the Note amount
  • Assistance is a grant, no second mortgage or note.
  • DPA Funds are requested prior to closing
  • Household income = 1003 Credit Qualifying Income (do not include the co-signor’s income)
    • 1 or 2 Person Household: $96,120 
    • 3 or more Person Household: $112,140 
  • No Program Limit
  • Required for all borrowers. HUD Approved or CHFA.
  • FICO – See Guidelines
  • DTI – Max DTI ratio is 45%
  • follow Agency guidelines (FHA, VA, HFA Advantage)
  • Online, once logged in to eHP system: See Forms and  Guidelines
  • Issues the First Mortgage Program and Down Payment Assistance Program
  • Sets the rate, term, points and DPA options
  • Lender relationships
  • Markets the Program
  • Take application for the program
  • Reserves first mortgage in eHousingPlus system
  • Must meet loan processing timeline
  • Process, Underwriter, Certify, Fund, Close and Sell qualified loans to the Program Master Servicer
  • Check with your company on how to reserve a loan in YOUR own system so that you have funds available at closing
  • Responsible for servicing loans in accordance with Agency requirements until loan is purchased by the Master Servicer
  • 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.   To contact US Bank Lender Help Desk, Click here.

Current Rate/Offerings – Reservation/locks – AVAILABLE from 8:00am-6:00pm Mountain (10-8 EDT excluding weekends & holidays)

Rate/Offerings DPA Lock Rate Effective Date
  Government (FHA,VA) w/4% 4.625% 4/21
  Freddie Mac HFA Advantage   w/4% 4.875% 4/20


  • 30 Year, Fixed Rate, Amortized
  • DPA Assistance is automatically calculated on the Final Loan Amount (Grant)
  • manufactured homes not allowed 
  • manual UW not allowed 



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

        Administrator Guidelines (9/13)    Administrator's Guidelines

  • 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 here 

Program Sample Forms form   

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

The following is a list of Approved Lenders

  • Academy Mortgage
  • Air Academy Federal Credit Union
  • All Western Mortgage
  • AMCAP Mortgage, Ltd.
  • American Financing Corporation
  • American Pacific Mortgage Corporation
  • Amerifirst Financial, Inc.
  • America’s Mortgage
  • AmeriPro Funding, Inc.
  • Axia Financial LLC
  • Bay equity, LLC
  • Broker Solutions Inc, DBA New American Funding
  • Caliber Home Loans, Inc.
  • Castle & Cooke Mortgage LLC
  • Catalyst Lending, Inc.
  • Cherry Creek Mortgage
  • Citywide Home Loans
  • CMG Mortgage, Inc. dba CMG Financial
  • Commerce Mortgage
  • Cornerstone Home Lending Inc.
  • Corridor Mortgage Group
  • DAS Acquisition Company, LLC.
  • Diamond Residential Mortgage Corporation
  • DHA Financial, Inc.
  • DHI Mortgage
  • Ent Federal Credit Union
  • Envoy Mortgage
  • Everett Financial, Inc. DBA Supreme Lending
  • Fairway Independent Mortgage Corp.
  • Finance of America Mortgage
  • Financial Funding Solutions, Inc., dba 1st Mortgages
  • First California Mortgage
  • First Centennial Mortgage Corporation
  • First Choice Loan Services, Inc.
  • First National Bank of Omaha
  • Franklin American Mortgage Company
  • Gateway Mortgage Group, LLC
  • Georgetown Mortgage
  • Goldwater Bank N.A.
  • Guaranteed Rate
  • Guild Mortgage
  • Hallmark Home Mortgage
  • Ideal Home Loans LLC
  • LeaderOne Financial Corporation
  •, LLC dba iMortgage
  • Loan Simple, Inc.
  • LoanStar Home Lending
  • Marketplace Home Mortgage, LLC
  • MegaStar Financial
  • Moria Development, Inc., dba Peoples Mortgage
  • Mortgage Solutions of Colorado, LLC
  • Nations Reliable Lending, LLC
  • NorthStar Bank of Texas
  • NOVA Financial & Investment Corp.
  • On Q Financial
  • Peoples National Bank
  • Primary Residential Mortgage, Inc
  • Real Estate Mortgage Network (REMN) – HomeBridge Financial Services, Inc.
  • Republic Mortgage Home Loans
  • Right Start Mortgage, Inc.
  • Rocky Mountain Mortgage Specialists, Inc.
  • Security National Mortgage Company
  • Stearns Lending LLC
  • Summit Funding, Inc.
  • Summit Mortgage Corporation
  • Synergy One Lending Inc.
  • The Mortgage Company
  • Universal American Mortgage Company, LLC
  • Universal Lending Corporation
  • Vectra Bank Colorado
  • V.I.P. Mortgage
  • Weststar Mortgage Corporation
  • WR Starkey Mortgage

Interested in becoming a participating lender? Contact us.

Program Updates
  • 5/24 – income limits revised
  • 12/1- MANUFACTURED HOMES are eliminated
    12/1- FHA – no manual underwriting
  • 10/1- Freddie Mac HFA Advantage
  • 9/10 – New Income Limits effective 9/15
  • 6/19- added the unincorporated areas of Arapahoe County to the list of eligible lending areas in the Denver MMA Plus program
  • 6/9 – Update guidelines – servicer fee
  • 10/15 – guidelines updated
  • See guidelines revisions page – It is the lender’s responsibility to verify that the property is within the eligible lending area.   Please note that a mailing address is not always an accurate indication of where a property is located.  Below a list of websites with address lookup functions and/or city maps to assist in locating the exact location of property in each city and county (if available).
  • Participating Cities (within incorporated city limits only): see guidelines for links
  • 7/1/2013 – Mortgagee Letter 2013-14
  • 3/20/2013 Program Start Date


EhousingPlus University

  1. eHP Lender Program Training
    • Required for everyone participating in the program
    • offered 24/7
    • Click here to attend Program training
  2. eHP System Training*
    • After you complete the online Lender Program Training, information is provided as to what happens next.
    • Click here to register for 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.