Texas Department of Housing & Community Affairs

Texas Department of Housing & Community Affairs – Programs 79 & MCC  
Note – for details, see the Administrator’s Guidelines under GUIDE & FORMS

TDHCA logo_blue_transparent_small      

Lender / Program Portal




  • Program(s) 79
  • Reservation locks are available on business days between 9 am & 7 pm (10-8 EST)  All other system features are available 24/7
  • MCC
PROGRAMS See Rate/Offerings

  • Program 79 (TMP, MCC Combo, Bond Eligible)
  • MCC  
  • 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
  • Approved by eHP and Purchased by Servicer within  60 days of loan reservation – (excluding MCC)
  • Closed, delivered to eHP and Approved by TDHCA within 90 days of loan reservation – (only MCC) 
  • FHA, VA, RHS, HFA Preferred – Program(s) 79 
  • FHA, VA, RHS, Conventional – MCC
  • 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.
  • not applicable – MCC
  • Applies to all borrowers – Program(s) 79
    • Minimum FICO 620
    • No max DTI with DU approve/eligible
    • Manual Underwriting Allowed – 45% Max DTI for Manual
  • Co-signers are permitted in accordance with FHA requirements. For details, Click here
  • Program(s) 79 – A 30 day extensions is available, for a fee (0.375% of the final loan amount) and must be requested prior to the 60th day.  See guidelines for details. To request an extension, Click here
  • 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 MCC
Program 79 Reservation/locks – Available on Business days 9:00am – 7:00pm (10 am – 8 pm EDT)  excluding holidays

Current Rate/Offerings     View the Rate Notice

Offering Min FICO Rate  DPA Provided Origination Points SRP
BOND Loans (without an MCC) 620 4.375% 4% 0%  2.75% 
COMBO* Loan (with an MCC) 4.50% 4%
 CONVENTIONAL LOANS – FNMA HFA Preferred (with or without MCC)
HFA Preferred 620 4.875% 5% 0% 2.75%
4.500% 3%
MCC Current MCC rate is 40%


  • DPA is in the form of a second lien, 30-year term, and 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 Guidelines (12/1)   Administrator's Guidelines 6/8 7/15            (loans with Idaho as servicer)

Program Documents are the same for both the TMP79 & MCC 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.

 Notices to Buyers  EXTERNAL_LINK_EHOUSINGPLUS_32x32        
                 (Blank form in case needed to disclose prior reserving the loan)
 4/16 7/15 8/25


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

Program 79 MCC Participating Lenders
 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
 Americas Choice Home Loans
 AmeriPro Funding, Inc.
 Annie-Mac Home Mortgage
 ARK-LA-TEX Financial Services, LLC dba Benchmark Mtg
 Aspire Financial, Inc.
 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
 Bridgeview Mortgage LLC
 Broker Solutions Inc., dba New American Funding
 CalAtlantic Mortgage, Inc.
 CalCon Mutual Mortgage, LLC
 Caliber Home Loans, Inc
 Capstar Lending, LLC
 Castle & Cooke Mortgage, LLC.
 Cendera Funding, Inc
 City Bank Mortgage
 Citywide Home Loans
 CLM Mortgage, LLC
 CMG Mortgage, INC DBA CMG Financial
 Colonial National Mortgage , a Div. of Colonial Savings, F.A.
 Columbus Capital Lender
 Commonwealth Mortgage of Texas, LP.
 Compass Mortgage, Inc.
 Cornerstone Home Lending, Inc.
 Counselors Mortgage Corp
 Crestmark Mortgage Company, Ltd.
 CrossCountry Mortgage, Inc.
 DHI Mortgage Co., Ltd.
 ✔  Diamond Residential Mortgage Corp.
 Draper and Kramer
 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 Choice Loan Services, Inc.
 First Community Bank
 First Community Mortgage
 First Continental Mortgage, LTD.
 First National Bank of Trenton
 FNBT dba First Community Mortgage
 Gardner Financial Services dba Legacy Mutual Mortgage
 Gateway Mortgage Group, LLC
 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
 Highlands Residential Mortgage
 HomeBridge Financial Services, Inc (REMN)
 Hometown Lenders, LLC
 Hometrust Mortgage Company
 Homeway Mortgage
 Homewood Mortgage, LLC
 Houstonian Mortgage Group, Inc.
 IberiaBank Mortgage Company
 IHS Mortgage, LLC
 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.
 Keller Mortgage LLC (bba’s Primero Home Loans, Smarter Mortgages)
 LeaderOne Financial Corp.
 Liberty Bank and Trust Co.
 Liberty Mortgage (Wendeburg Interests)
 Loan Simple Inc.
 LoanDepot LLC dba iMortgage
 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 Penn Financial, LLC
 Northstar Bank of Texas
 Oak Mortgage Group
 On Q Financial, Inc.
 Open Mortgage, LLC
 Pacific Union Financial, LLC.
 Paramount Residential Mortgage Group (PRMG)
 Patriot Bank Mortgage, Inc.
 Penn Financial
 Peoples Mortgage Company
 PNC Mortgage
 Precious Realty & Mortgage, LLC
 Premier Nationwide Lending (NTFN)
 Primary Residential Mortgage
 PrimeWest Mortgage Corp.
 Princess Palace, LLC dba Impact Mortgage
 Prodigy, Inc.
 Prospect Mortgage
 Pulte Mortgage LLC
 Republic State Mortgage Company
 Residential BancorpSecure Financial Services, Inc. dba Secure Mortgage Company
 Rocky Mountain Mortgage Company
 Security American Mortgage
 Security National Mortgage Company
 Sente Mortgage
 SFMC, LP dba Service First Mortgage Co
 Southwest Funding, LP
 Standard Pacific Mortgage, Inc.
 Stearns Lending
 Success Mortgage Partners, Inc. (SMP Mortgage, Inc)
 SWBC Mortgage Corporation
 Texas Bank Financial dba Texas Bank Mortgage Co.
 The Home Lending Group
 The Lending Partners, LLC
 Top One Mortgage LLC
 Town Square Mortgage & Investments, Inc. dba Town Square Financial
 Tri-State Mortgage Company
 TXL Mortgage Corporation
Union Home Mortgage Corporation
 Universal American Mortgage Company
 US Bank
 Veterans United Home Loans
 Victorian Finance, LLC
 Wallick & Volk
 Wells Fargo Home Mortgage
 Weststar Bank
 Weststar Mortgage Corporation
 Whitney Bank
 Willow Bend Mortgage
 Woodside Mortgage
 WR Starkey Mortgage, LLP



Program Updates
  • 9/29- effective 10/1.  Loans reserved as of 10/1 will have Idaho as the Master Servicer.  For loans reserved thru 9/30, the Master Servicer is US Bank.
  • 9/29- effective 9/30, the Streamline Refinance Program will temporarily be suspended.  read more
  • 5/1- revised MCC fees, see guidelines.  click to view
  • 4/22-revised income & acquisition limits
  • 12/7-Program is restructured.  New 4% DPA on Government Loans will replace the existing 5% DPA on Gov loans.  The programs with up to $8,000 in DPA & the Exception loans end as of 12/4.  Conventional remai with 5% DPA
  • 12/1-12/1- MANUFACTURED HOMES are eliminated (eff 12/1 reservations)
  • 10/6- FALL (FEE) FEST read more
  • 7/10 – Income includes the gross income of all mortgagors both living on the property and liable on the Deed of Trust.  All forms of income should be considered, including Annual Wages, Commissions, Bonuses, Self-Employment (Plus Depreciation), Dividends, Interest, Annuities, Pensions, Child Support, Alimony and Public Assistance. The income of a Non-Purchasing (Non-Borrowing) Spouse should also be included.
    6/1-June Homeownership month.
  • 5/28-IRS security breach. Read more
  • 5/19-Refi Program Training
  • 3/16- New Income Limits. Read more
  • 3/4-the TDHCA DPA PLUS Program will accommodate the Assistance up to $8,000 – previously it was a flat $8,000
  • 1/6/2015 – TDHCA is pleased to kick off the New Year and 2015  with the announcement of an additional down payment assistance option.  Effective Tuesday January 6th,  mortgage loans originated under the TMP-79 program will provide the borrower with a 30-year fixed interest rate mortgage loan and assistance, at the option of the homebuyer, in an amount equal to5% of the mortgage loan or $8,000.  The $8,000 down payment assistance option (DPA Plus) is being made available for those borrowers purchasing lower priced homes that need additional financial assistance in order to make homeownership a reality.   The interest rate associated with the $8,000 assistance option will be provided on the Commitment Lot Notices and will carry a slightly higher interest rate in order to cover the associated costs of providing it.  In addition, TDHCA has increased program funding by 1 BILLION.    read more



Click here to request an extension. ** Request MUST be submitted before the 60th day.  This request is only for loans that closed and have been received both by eHousingPlus and US Bank. For more details, please reference the guidelines.




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.