HFA of Hillsborough MCC

HFA of Hillsborough – Hillsborough MCC Program
Note – for details, see the Administrator’s Guidelines under GUIDE & FORMS

  •  $12,500,000
    • Includes 2,500,000 Targeted Area Set-aside thru 12/13/2014
  • Hillsborough County (ONLY)
  • First-time Homebuyers – All Borrower(s) & Spouses (occupant or non-occupant)
  • Must be able to permanently reside in the U.S.
  • Principal residence
  • Borrower(s) must occupy property within 60 days of closing
  • IRS filed returns for past 3 yrs – all borrower(s) & spouses
  • Household income is considered for ALL Borrower(s) , spouses and anyone 18 years or older.
  • limits effective 6-16 –  see guidelines
  • Home Acquisition Limits
  • limits effective 6-16 –  see guidelines
  • Required for ALL named on the Warranty Deed. View Homebuyer Education Providers.
  • Cosigners are permitted for FHA loans as per FHA Guidelines. Cannot be named on the Warranty Deed.
  • Reservation to UW Cert: 10 days
  • Reservation to Close, Delivery, Cleared of all exceptions and Purchased: 65 days
  • Available online. eHP SF Web Management, under Forms.


Current Rates

  • Hillsborough Firts Mortgage Rate
  • Term: 30 Year Amortizing

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


Administrator Guidelines (8/23)    9-13 4/9 6/30

  • 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 on Program Goals.
  • Need help,   Click here

Program Sample Forms form 7-15

Preclosing (in case needed) – Notices and Recapture – Click Here

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

  1. Academy Mortgage Corporation
  2. American Financial Network, Inc
  3. American Neighborhood Mortgage Acceptance Company, LLC   (Annie-Mac )
  4. Atlantic Coast Bank
  5. Bank of America
  6. Bridgeview Bank Mortgage
  7. CBC National Bank
  8. Corridor Mortgage Group 
  9. DHI Mortgage Company
  10. Embrace Home Loans
  11. Fairway Independent Mortgage Corporation
  12. First Home Bank
  13. GSF Mortgage
  14. HomeBridge Financial Services, Inc.  (prev REMN)
  15. Integrity First Financial Group, Inc.
  16. K. Hovnanian American Mortgage
  17. Network Funding, LP
  18. NFM, Inc. dba NFM Lending
  19. NVR Mortgage Finance, Inc.
  20. Open Mortgage
  21. Pacific Union Financial
  22. PrimeLending
  23. Roost Lending, LLC
  24. Shelter Mortgage
  25. Stonegate Mortgage
  26. SWBC mortgage Corporation
  27. Tidewater Mortgage Services, Inc.
  28. Universal American Mortgage Company, LLC
  29. Wells Fargo Bank

Interested in becoming a participating lender? Contact us.

Program Updates

Check the Blackboard for periodic program updates and notifications.

  • 5/11 – revised income & acquisition limits – effective 6-14 – please see guidelines
  • 7/22-updated income & acquisition (purchase) price limits
  • 6/20 – Updated income and acquisition limits – Effective for loans reserved after 7/21
  • 4/9/2015 – updated income limits
  • 06/25/2014 – updated income & acquisition limits
  • 01/06/2014 – New Targeted Areas based on 2010 Census
  • 12/31/2013 – Loans on waitlist transferred from 2012 to 2013
  • 12/13/2013  – 2013 Program starts

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 trainer@ehousing.cc

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.