We DeKalb – Program 

Note – for details, see the Administrator’s Guidelines under the GUIDELINES Tab

  • Continuous Funding
  • 6 options/offerings available (see rates)
  • eHP System available 24/7
  • Reservation/Locks are available on business days between 10am-8pm Eastern Daylight
LOAN TIME LINE REQUIREMENTS DO NOT RESERVE EARLY: Underwriter must Certify the loan on line 15 days after Reservation!

  • Reservation to UW Cert: 15 days  (cancelled if not certified)
  • Reservation to Close and Delivery: 45 days
  • Reservation to Loan Purchase: 70 days
  • DeKalb County
  • NO First-time Homebuyer Requirement
  • Borrower(s) & Spouse(s) must occupy the property as their Primary Residence
  • FHA, VA
  • 203 (k) streamlined (with US Bank approval)
  • Freddie Mac HFA Advantage
  • Assistance is system calculated of the note amount  (see rates)
  • available for down payment or closing costs.
  • Cash back is not allowed.

  • Household income = 1003 Credit Qualifying Income
    • 1-2 Person HHLD = $81,000 
    • 3 or more Person HHLD = $94,500
  • Acquisition – program does not have a limit
  • Loan – program does not have a maximum loan amount –  follow Agency guidelines
  • not required
  • Mid FICO score must be:
    • Government –  660 or higher 
    • Conventional – 640 or higher 
  • Max 45 debt-to-income (DTI) ratio
  • Not permitted
  • Approval by Agency & UB Bank
  • Log into system, under FORMS
  • To request a one-time 30-day extension, click here.
  • Extensions are not granted to extend the 15 days from Reservation to UW Certification
  • 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 with the Servicer Lender Guides or  to contact the US Bank Lender Help Desk, Click here.


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

Rate/Offerings FICO Lock Rate DPA Effective Date
FHA, VA 660 N/A w/4% 2/12
FHA, VA 5.50% w/3% 4/6
Freddie Mac HFA Advantage (conventional) 
HFA Advantage 640 6.000% w/5% 3/16
5.750% w/4% 3/16


  • Term: 30 Year Fixed Rate
  • Assistance is automatically calculated on the Final Loan Amount (Grant)
  • Various levels as per above chart.
  • Lender up fronts. US Bank will reimburse at purchase 
  • The 5% Assisted Government option is temporarily discontinued (2/5)

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

Administrator Guidelines (2/6)    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

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

  • Academy Mortgage Corporation
  • Alterra Group, LLC (fka Venta Financial Group LLC)
  • American Financing Corporation
  • Ameris Bank
  • Atlantic Bay Mortgage Group, LLC
  • BankSouth Mortgage Company, LLC
  • Bay Equity LLC
  • Broker Solutions Inc, DBA New American Funding
  • CalCon Mutual Mortgage LLC
  • CBC National Bank
  • CenterState Bank of Florida, N.A.
  • Certainty Home Loans (WR Starkey Mortgage)
  • Contour Mortgage Corporation
  • Eagle Home Mortgage, LLC.
  • Eagle Home Mortgage of California
  • Everett Financial, Inc. dba Supreme Lending
  • Evolve Bank & Trust
  • Fairway Independent Mortgage Corporation
  • FBC Mortgage, LLC
  • Fidelity Bank Mortgage
  • Guild Mortgage
  • Heritage Bank of the South* – Now Renasant Bank as of 7/1/15
  • Home Mortgage Corporation
  • Homestar Financial Corporation
  • Integrity First Financial Group, Inc.
  • LendUS, LLC dba The American Eagle Mortgage co.
  • Loan Simple, Inc.
  •, LLC
  • Magnolia Bank Inc
  • NFM, Inc.
  • On Q Financial
  • Pacific Union Financial, LLC
  • Shelter Home Mortgage, LLC
  • Shelter Mortgage Company ( c/o New Penn Financial)
  • Southeast Mortgage of Georgia, Inc.
  • US Mortgage Corporation
  • Waterstone Mortgage Corporation

Interested in becoming a participating lender? Contact us.

Program Updates

Check the Blackboard for periodic program updates and notifications.

  • 2/5 – The 5% Dpa option for Government loans is temporarily discontinued
  • 3/1 – Revised: loan rate/options and chart, Income Limits and Minimum Credit Score, Lender Compensation
  • 3/1 – Removed any reference to USDA;RHS (RD)
  • 3/2 – Added Freddie Mac HFA Advantage loans information and requirements
  • 12/1- All loans, min FICO is 660
  • 3/19 –  203(k) streamlined loans (with US Bank approval ) are added to the program. see guidelines.
  • 3/18/15 – Income limits have increased – effective 3/18.  Please see guidelines.
  • 9/8 -Program Training


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 either training, please contact or

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.