Texas Department of Housing & Community Affairs

Texas Department of Housing & Community Affairs (TDHCA)

TDHCA logo_blue_transparent_small      

Lender / Program Portal

TDHCA My First Texas Home (79)
Texas Mortgage Credit Certificate


Note- for details on the Summary, please see the Administrator’s Guidelines in the Guide & Forms Tab
  • Reservation locks are available on business days between 9 am & 7 pm (10-8 EST)  All other system features are available 24/7
  • TDHCA My First Texas Home (79) has multiple options
    1. Government loans  – GOV BOND LOAN (no MCC) 0% Origination
    2. Government loans with MCC – GOV COMBO LOAN (w/MCC) 0% Origination
    3. Fannie Mae HFA Preferred – CONVENTIONAL LOAN 0% Origination
  • Texas Mortgage Credit Certificate  
  • Statewide Texas
LOAN TIME LINE REQUIREMENTS Loan Processing, Delivery and Purchase Timetable. Once a loan is reserved in the eHousingPlus system, the loan must be:

  • Underwriter Certified in eHP system prior to closing – All programs
  • 60 days – From Reservation to Purchase, including eHP Approval. (TDHCA My First Texas Home (79))
  • 90 days – From Reservation to eHP Approval. (Texas Mortgage Credit Certificate) 
  • FHA, VA, RHS, HFA Preferred (TDHCA My First Texas Home (79))
  • FHA, VA, RHS, Conventional (Texas Mortgage Credit Certificate) 
  • Down payment and Closing Cost Assistance
  • multiple levels of assistance 
    • see the Rates/Offerings Tab
  • All Borrower(s) & Spouse (including NPS) must qualify First-Time Homebuyers
  • Occupy the Property being purchased as their Principal Residence with 60 days of Closing
  • IRS Tax Transcripts for past 3 yrs.
  • Must have SS# or Tin
  • Click to view the Program Income Limits    
  • Household income includes the gross income for All mortgagors(s) and Spouse (includes NPS)  
  • Pre-Purchase Homebuyer education course required for all Borrowers.
  • see guidelines for details
  • Co-signers are permitted in accordance with FHA requirements. For details, Click here
  • see guidelines for details
  • an extension request in no longer requested prior to loan’s timeline expiration
  • Click to view TDHCA notice
  • Issues the programs
  • Creates the first mortgage and down payment assistance options
  • Sets the rate, term and points, Lender relationships, Markets the program
  • Take applications into Programs
  • Reserve in eHousingPlus system
  • process, underwrite, approve, fund, close and sell qualified loans to the program’s Master Servicer.
  • Check with your company on how to reserve a loan in your own system so that you have funds available for closing.
  • Responsible for servicing first and second program loans in accordance with Agency requirements until they’re 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
  • Contact eHousingPlus for questions related to the compliance file, income, first-time buyer, Tax requirement, access to the program, training, eHP system, web site, administrator guidelines
  • Contact Idaho HFA for questions related to the mortgage file, escrow, DU findings, insurance, high priced loans, MDIA, Respa,  TRID, payments
  • Contact TDHCA for questions related to the MCC
Reservation/locks – Available on Business days 9:00am – 7:00pm (10 am – 8 pm EDT)  excluding holidays

The below grid displays the available Product, Interest Rate and DPA available in the program.  Please be careful in the option you choose when reserving/locking as the options are not the same.  The Bond option are government loans without an MCC.  The COMBO option is a government loan with an MCC which must be reserved via the ADD ADDITIONAL icon within the reservation.  The HFA Preferred are conventional loans that may or may not have an MCC.  Borrowers should be qualified prior to reserving/locking.

Current Rate/Offerings – Click to view

Offering Min FICO Rate  DPA Provided Origination Points SRP
BOND Loans (without an MCC) 620 5.375% 4% 0%  2.75% 
COMBO* Loan (with an MCC) 5.375% 4%
 CONVENTIONAL LOANS – FNMA HFA Preferred (with or without MCC)
HFA Preferred 620 5.375% 5% 0% 2.75%
5.250% 3%
MCC Current MCC rate is 40%


  • DPA is in the form of a 0% interest second lien, 30-year term, due on sale/transfer.
  • * The COMBO loan is when the MCC is added to the TMP 79 loan.  
eHousingPlus is the Program Administrator, and provides some of the following services;

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

Administrator's Guidelines 6/8 7/15Administrator Guidelines 

Program Documents are the same for both the TDHCA My First Texas Home (79) & Texas Mortgage Credit Certificate Programs – Note: Program forms are accessed after the loan is reserved/certified in our system. The program forms are auto-generated based on the loan data information provided at reservation, updated and certified.
Step by Step Procedures 

Program Income Eligibility Worksheet 

Legend – Second Lien Note 

Legend – Second Lien Deed of Trust 

Notices to Buyers  

The Following Lenders have been approved to originate loans in the specified Program(s):

TDHCA My First Texas Home (79) Texas Mortgage Credit Certificate Participating Lenders
 1st Alliance Mortgage, LLC
 Academy Mortgage Corporation
 Affiliated Bank
   Affiliated Mortgage
 ✔    Alterra Group, LLC (FKA Venta)
   Amarillo National Bank
✔   AmCap Mortgage, Ltd. 
✔   AMEC (American Mortgage & Equity Consultants, Inc.)
 American Financial Network, Inc.
   American Southwest Mortgage Corp
✔   America’s Choice Home Loans
 AmRes Corporation dba American Residential Lending  
   AmeriPro Funding, Inc.
 Annie-Mac Home Mortgage
 ARK-LA-TEX Financial Services, LLC dba Benchmark Mtg
 Axia Financial, LLC
   Aspire Financial, Inc.
 ✔  BancorpSouth Bank
   Bank of America
   Bank of Oklahoma dba Bank of Texas
   Barton Creek Lending Group, LLC
 Bay Equity LLC
 ✔  BBMC Mortgage, a division of Bridgeview Bank Group
   Bluesky Lending
   Bluewater Mortgage, LLC dba Upward Home Loans  
   Bridgeview Mortgage LLC
 Broker Solutions Inc., dba New American Funding
   CalAtlantic Mortgage, Inc.
 CalCon Mutual Mortgage, LLC
 Caliber Home Loans, Inc
 Caltex Funding, LP
 Capstar Lending, LLC
 Cardinal Financial Company
 Castle & Cooke Mortgage, LLC.
 Cendera Funding, Inc
 Certainty Home Loans (WR Starkey Mortgage)
 Champions Lending, LLC dba Champions Mortgage
✔   City Bank Mortgage
 City First Mortgage Services, LLC
   Citywide Home Loans
   CLM Mortgage, LLC
 CMG Mortgage, INC DBA CMG Financial
   Colonial National Mortgage , a Div. of Colonial Savings, F.A.
✔   Columbus Capital Lending, LLC.
   Commonwealth Mortgage of Texas, LP.
   Compass Mortgage, Inc.
 Cornerstone Home Lending, Inc.
 Corridor Mortgage Group, Inc.
   Counselors Mortgage Corp
   Crestmark Mortgage Company, Ltd.
 CrossCountry Mortgage, Inc.
 DAS Acquisition Company, LLC
 Data Mortgage, Inc. dba Essex Mortgage, Inc.  
 DHI Mortgage Co., Ltd.
 Diamond Residential Mortgage Corp.
 Doorway Home Loans
 ✔  Draper and Kramer
 Eagle Home Mortgage, LLC.
   Elite Financing Group, LLC.
 ✔  Envoy Mortgage, Ltd
 ✔  Eustis Mortgage Corp dba Finance Home America
 Everett Financial, Inc., dba Supreme Lending
 Fairway Independent Mortgage Corp
 ✔  Finance of America Mortgage, LLC
   First American Mortgage
 First California Mortgage DBA FirstCal
   First Centennial Mortgage
 First Choice Loan Services, Inc.
   First Community Bank
 First Continental Mortgage, LTD.
   First National Bank of Trenton
✔   FNBT dba First Community Mortgage
✔   Freedom Mortgage Corporation
 Gardner Financial Services dba Legacy Mutual Mortgage
 Gateway Mortgage Group, LLC
 GenEquity Mortgage, Inc.
 Geneva Financial, LLC
 Georgetown Mortgage
 ✔  Global Home Finance, Inc.
   Gold Star Mortgage Financial Group
   Great Plains National Bank
 Guild Mortgage Company
   Hamilton Group Funding,  Inc
   Hancock Mortgage
 Hancock Whitney Bank
 Highlands Residential Mortgage
 HomeBridge Financial Services, Inc (REMN)
✔   Hometown Lenders Inc
 Hometrust Mortgage Company
   Homeway Mortgage
   Homewood Mortgage, LLC
   IberiaBank Mortgage Company
 ✔  Independent Bank
   IHS Mortgage, LLC
   Impact Capital Mortgage
   Infinity Mortgage Holdings, LLC
✔   Integrity First Financial Group, Inc.
 InterLinc Mortgage Services, LLC
   International City Mortgage, Inc.
   JP Morgan Chase
 K. Hovnanian American Mortgage, LLC.
 KBHS Home Loans, LLC
   Keller Mortgage LLC (bba’s Primero Home Loans, Smarter Mortgages)
 LeaderOne Financial Corp.
 LHM Financial Corporation
   Liberty Bank and Trust Co.
   Liberty Mortgage (Wendeburg Interests)
 ✔  Loan Simple Inc.
 LoanDepot.com, LLC
 LoanStar Home Loans, LLC dba LoanStar Home Lending
   Mann Mortgage, LLC
 ✔  MI Financial Corporation
✔   Mid America Mortgage, Inc.
 Mission Mortgage of Texas, Inc.
   MLD Mortgage, Inc. DBA The Money Store
 Mortgage Financial Services, LLC.
   Mortgage Pros, Inc
   Mortgage Services, Inc.
 Mountain West Financial, Inc.
 Nations Reliable Lending
   Nationstar Mortgage, LLC
 Network Funding, L.P.
   New ERA Mortgage Services, Inc.
 New Penn Financial, LLC
 Norwich Commercial Group, Inc.
   Oak Mortgage Group
 On Q Financial, Inc.
 Open Mortgage, LLC
 Pacific Union Financial, LLC.
   Paramount Residential Mortgage Group (PRMG)
     Patriot Bank Mortgage, Inc.
 Peoples Home Equity, Inc.
   Peoples Mortgage Company
 Perl Mortgage, Inc.
     Planet Home Lending, LLC
   PNC Mortgage
   Precious Realty & Mortgage, LLC
 NTFN, Inc. (Premier Nationwide Lending)
 Primary Residential Mortgage
   PrimeWest Mortgage Corp.
   Princess Palace, LLC dba Impact Mortgage
   Prodigy, Inc.
 Prompt Mortgage, LLC
   Prospect Mortgage
 Pulte Mortgage LLC
✔   Republic State Mortgage Company
   Residential Bancorp
 Right Start Mortgage, Inc.
✔   Rocky Mountain Mortgage Company
 ✔  Secure Financial Services, Inc. dba Secure Mortgage Company
   Security American Mortgage
 Security National Mortgage Company
 Sente Mortgage
 Sequoia Mortgage, LLC
 SFMC, LP dba Service First Mortgage Co
✔   Southwest Funding, LP
   Standard Pacific Mortgage, Inc.
   Stearns Lending, LLC
 Success Mortgage Partners DBA SMP Mortgage, Inc
 SWBC Mortgage Corporation
 Synergy One Lending, Inc.
   Texas Bank Financial dba Texas Bank Mortgage Co.
   Texana Bank
 The Home Lending Group
   The Lending Partners, LLC
   Top One Mortgage LLC
 ✔  Town Square Mortgage & Investments, Inc. dba Town Square Mortgage
 Tri-State Mortgage Company
   TXL Mortgage Corporation
   Union Home Mortgage Corporation
   US Bank
   Veterans United Home Loans
   Victorian Finance, LLC
 Wallick & Volk
 Waterstone Mortgage Corporation
   Wells Fargo Home Mortgage
 Weststar Bank
   Weststar Mortgage Corporation
 Whitney Bank
 ✔  Willow Bend Mortgage
   Woodside Mortgage


** Dba – Gold Financial Services, HMG Mortgage, Asset Mortgage, K&G Capital Mortgage, Major Mortgage, Westin Mortgage Group

Program Updates
  • 5/1- updated income and acquisition limits.  effective 4/1/2018 


What is the MY First Time Homebuyer Program?
Who is eligible for the program?
What type of home can I buy?
Can a Duplex be financed under the program?
Does the first time homebuyer requirement apply to homes owned within the United States only or for foreign owned homes too?


Are Conventional Loans allowed in this program?
Are funds available for downpayment and closing cost assistance?
What is recapture tax?
Does the homebuyer have to repay the Down payment Assistance?
How often are funds made available under the program?


I am a lender and have questions about the process. Who can I contact?
Does the lender have to pay a participation fee?
What are the allowable fees a lender can charge on a MY Texas First Time Homebuyer Program Loan?


Do I need to submit a form if I am using the Veteran’s first time homebuyer exception?
What is a Qualified Veteran’s Exemption?


EhousingPlus University

  1. eHP Lender Program Training
    • Required for everyone participating in the program
    • offered 24/7
    • Click here to attend Program training  (TMP 79 and/or MCC)
  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 jennifer@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.