Texas Department of Housing & Community Affairs

Texas Department of Housing & Community Affairs – Programs 79 & MCC 83 





TDHCA logo_blue_transparent_small    

Lender / Program Portal

Note-Program details are available in the Administrator’s Guidelines, click on the Guide & Forms Tab







Note-Program details are available in the Administrator’s Guidelines
  • 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/
  • MCC 83
PROGRAMS See Rate/Offerings

  • Program 79 (TMP, MCC Combo, Bond Eligible)
  • MCC 83
  • Program 79 FHA Streamlined Refinance  
  • 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
    • both options are a second lien, 30-year term, and due on sale/transfer.
  • 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
    (for details, see Administrator’s Guidelines)
  • 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
  • not applicable – MCC
  • Applies to all borrowers – Program(s) 79
    • Minimum FICO 640, Max DTI 45%
    • see guidelines for details
  • 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
  • Servicer Lender Guidelines, Click here
    • If you need assistance getting to the Servicer Lender Guides, Click here.
    • Need help
  • 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 US Bank 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    EXTERNAL_LINK_EHOUSINGPLUS_32x32

Government Loans
Offering Min FICO Bond Loan  (no MCC) Combo Loan (with MCC) FHA Sreamline Refi (no MCC) DPA Provided Origination Points SRP
Tmp79 0% Orig – 4 Point Net Assistance 640 3.625% 3.75% N/A 4% 0% 2.75%
FHA Streamline Refinance Loans 660 N/A N/A 3.625% up to $3,500 2.00%
Conventional Loans – FNMA HFA Preferred Loans (with or without MCC)
Offering Min FICO Conventional Loans DPA Provided Origination Points SRP
Tmp79 0% Orig – 5 Point Net Assistance 640 4.50% 5% 0% 2.75%
Tmp79 2% Orig – 3 Point Net Assistance 4.00% 2% 0.75%
MCC 83 Current MCC rate is 40%



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

 Administrator's Guidelines 6/8 7/15

Administrator Guidelines (8/23)          

  • 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 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



                               presentation  Presentation from 5/19  EXTERNAL_LINK_EHOUSINGPLUS_32x32
  • REFI – Borrower Authorization when Requesting a Payoff/escrow credit  view EXTERNAL_LINK_EHOUSINGPLUS_32x32


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

Both Program 79  & MCC   

ONLY Program 79


  • Academy Mortgage Corporation
  • Affiliated Bank
  • AmCap Mortgage, Ltd.
  • American Financial Network, Inc.
  • AmeriPro Funding, Inc.
  • Annie-Mac Home Mortgage
  • ARK-LA-TEX Financial Services, LLC – dba Benchmark Mortgage
  • Aspire Financial, Inc.
  • Bay Equity LLC
  • Bridgeview Mortgage LLC
  • Broker Solutions Inc., dba New American Funding
  • CalCon Mutual Mortgage, LLC
  • Caliber Home Loans, Inc
  • Capstar Lending, LLC
  • Castle & Cooke Mortgage, LLC.
  • Cendera Funding, Inc.
  • Citywide Home Loans
  • CMG Mortgage, INC DBA CMG Financial
  • Colonial National Mortgage , a Div.of Colonial Savings, F.A.
  • Cornerstone Home Lending, Inc.
  • Crestmark Mortgage Company, Ltd.
  • CrossCountry Mortgage, Inc.
  • DHI Mortgage Co., Ltd.
  • Envoy Mortgage, Ltd
  • Everett Financial, Inc., dba Supreme Lending
  • Fairway Independent Mortgage Corp
  • First California Mortgage DBA FirstCal
  • First Choice Loan Services, Inc.
  • First Continental Mortgage, LTD.
  • First Community Bank
  • FNBT dba First Community Mortgage
  • Gateway Mortgage Group, LLC
  • Gardner Financial Services dba Legacy Mutual Mortgage
  • Geneva Financial, LLC
  • Georgetown Mortgage, LLC
  • Guild Mortgage Company
  • Hamilton Group Funding,  Inc
  • Hancock Mortgage
  • Highlands Residential Mortgage
  • HomeBridge Financial Services, Inc (prev REMN)
  • Home Community Mortgage LLC
  • Hometrust Mortgage Company
  • Houstonian Mortgage Group, Inc.
  • InterLinc Mortgage Services, LLC
  • International City Mortgage, Inc.
  • K. Hovnanian American Mortgage, LLC.
  • LoanDepot LLC dba iMortgage
  • Loan Simple Inc.
  • LoanStar Home Loans, LLC dba LoanStar Home Lending
  • LeaderOne Financial Corp.
  • Mann Mortgage, LLC
  • Mid America Mortgage, Inc.
  • MI Financial Corporation
  • Mission Mortgage of Texas, Inc.
  • Mortgage Financial Services, LLC.
  • 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)
  • Premier Nationwide Lending (NTFN, Inc.)
  • Primary Residential Mortgage
  • PrimeLending
  • PrimeWest Mortgage Corp.
  • Pulte Mortgage LLC
  • Republic State Mortgage Company
  • Residential Bancorp
  • Security National Mortgage Company
  • Sente Mortgage
  • SFMC, LP dba Service First Mortgage Co
  • 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
  • TXL Mortgage Corporation
  • Tri-State Mortgage Company
  • Universal American Mortgage Company
  • Venta Financial Group Inc dba Alterra Mortgage
  • Wallick & Volk
  • Wells Fargo Home Mortgage
  • Weststar Bank
  • Whitney Bank
  • Willow Bend Mortgage
  • WR Starkey Mortgage, LLP
  • Amegy Bank
  • American Midwest Bank
  • BancorpSouth Bank
  • Diamond Residential Mortgage Corp.
  • Fidelity Bank
  • Finance of America Mortgage, LLC  
  • First National Bank – El Paso
  • GenEquity Mortgage, Inc.
  • Global Advisory Group, Inc. dba Mortgage Advisory Group
  • GSF Mortgage Corporation
  • Movement Mortgage, LLC
  • Pioneer Bank
  • Rocky Mountain Mortgage Company
  • SSBT Mortgage Group  
  • Stearns Lending
  • Stonegate Mortgage Corp
  • Texas Loan Star Bank
  • US Bank Home Mortgage
  • Vision One Mortgage, Inc.
  • Wintrust Mortgage
  • Affiliated Mortgage
  • Amarillo National Bank
  • American Southwest Mortgage Corp
  • Americas Choice Home Loans
  • AMEC (American Mortgage & Equity Consultants, Inc.)  
  • Bank of America
  • Bank of Oklahoma dba Bank of Texas
  • Bluesky Lending
  • CalAtlantic Mortgage, Inc.
  • City Bank Mortgage
  • CLM Mortgage, LLC  
  • Columbus Capital Lender  
  • Commonwealth Mortgage of Texas, LP.
  • Compass Mortgage, Inc.  
  • Counselors Mortgage Corp
  • Elite Financing Group, LLC.
  • First American Mortgage
  • First National Bank of Trenton
  • Great Plains National Bank
  • Gold Star Mortgage Financial Group  
  • Homeway Mortgage
  • Homewood Mortgage, LLC
  • IberiaBank Mortgage Company
  • Infinity Mortgage Holdings, LLC  
  • Integrity First Financial Group, Inc.  
  • IHS Mortgage, LLC
  • JP Morgan Chase
  • Liberty Bank and Trust Co.
  • Liberty Mortgage (Wendeburg Interests)
  • MLD Mortgage, Inc. DBA The Money Store 
  • Mortgage Pros, Inc
  • Mortgage Services, Inc.
  • Mid America Mortgage, Inc.
  • Mountain West Financial, Inc.
  • New Penn Financial, LLC
  • Patriot Bank Mortgage, Inc.
  • PNC Mortgage
  • Precious Realty & Mortgage, LLC  
  • Prodigy, Inc.
  • Prospect Mortgage
  • RANLife,Inc.
  • Security American Mortgage
  • Southwest Funding, LP
  • Standard Pacific Mortgage, Inc.
  • Top One Mortgage LLC
  • Town Square Mortgage & Investments, Inc. dba Town Square Financial
  • Veterans United Home Loans  
  • Victorian Finance, LLC
  • Weststar Mortgage Corporation
  • Wolfe Financial, Inc.  dba Integrity Mortgage Group
  • Woodside Mortgage



Program Updates
  • 9/29- effective 10/1, loans will be reserved with Master Servicer as Idaho.
  • 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
  • 11/20 – Holiday Specialsee MCC Lot Bclick to view
  • 10/14Additional Options for TDHCA Homebuyers  – we are pleased to announce a new option for first time homebuyers. TDHCA will offer a 0% origination point program for first time homebuyers as well as its existing 2% origination point option while maintaining the availability of 5 points of down payment and closing cost assistance for either option.   Read more
  • 10/14 – In determining family income for the TMP-79 mortgage loan program only, the Fannie Mae 1003 income of all borrowers expected to both live in the residence and be liable on the security instrument must be taken into account. For loans receiving MCC’s, non-purchasing spouse income must be included.Non-purchasing spouses –
  • 10/14 – For TMP-79 Loans only, non-purchasing spouses are not required to be included in the family income calculation. For loans involving MCC’s, the income of non-purchasing spouses must be included in the family income calculation.
  • 6/9-In prior email correspondence dated 5/12/14, the Texas Department of Housing and Community Affairs (TDHCA) agreed to cover the additional Funding Fee increase being passed along by our Servicer – US Bank, contingent upon TDHCA Governing Board approval.  We are happy to announce that the Board met yesterday at its regularly scheduled monthly meeting and agreed to cover the additional fee on all TMP-79 loan reservations made on or after June 9, 2014.  As a result of this action, the Funding Fee will remain at $150.
  • 6/2-As part of June’s celebration of Homeownership Month, the Texas Department of Housing and Community Affairs (TDHCA) is pleased to announce that it will be waiving the Compliance File Review Fees on all TMP-79 and TMP-79/MCC Combos.  The waiver will be effective on reservations made on or after Monday June 2nd and throughout the remainder of the month.  We are pleased to make this offer to further assist homebuyers in their efforts to attain the dream of homeownership.  Click to view
  • 5/14 – clarification on FICO & DTI Requirements (please see guidelines).
  • 5/14 – HFA Preferred is launched
  • 5/13 – HFA Preferred Training
  • 4/14- MCC 82 is Launched
  • 1/13 – New Income Limits. See Administrator Guidelines
  • 1/10 – New Targeted areas.  See Administrator Guidelines
  • 1/2/2014- MCC 81 Lot C issued.  Issuance Fee is 1% of the final loan amount.  See rates for detains on the posted Lot C notice
  • 7/1/2013 – TDHCA will no longer fund the DPA.  Lenders upfront & will be reimbursed bu US Bank when the loan is purchased.  This is how it used to be prior to HUD’s mandate in 2/2013 where TDHCA funded the DPA.
  • 7/1/2013 – Mortgagee Letter 2013-14
  • 7/1/2013 – TDHCA MCC Programs are available online.  Please make sure you do NOT have an MCC with TDHCA prior to reserving an MCC to your TMP79 loan.
  • 6/24 – TDHCA lender training Monday (6/24) and Tuesday(6/25)
  • TDHCA Program 79 – Started Oct 10, 2012 – If you missed the TDHCA 79 webinar on 10/6, there are changes to this program.  Please take the time to read the guidelines posted on the Summary Tab or attend the online program training posted on the Training Tab.   Should you have any questions, please contact Sue@ehousing.cc or Jennifer@ehousing.cc .



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.




for details on all summary items, please see the Administrator’s Guidelines-Guide & Forms Tab 
  • Program 79 FHA Streamlined Refinance
  • Statewide Texas
  • Approved by eHP and Purchased by Servicer within 60 days of loan reservation
  • FHA Streamline
  • up to $3,500 for reimbursable Costs
  • Closed using Program 79
  • Closed prior to Jan 26, 2015
  • Meets TDHCA FHA Streamline requirements
  • n/a
  • n/a
  • n/a
  • Minimum FICO 660
  • 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
  • Contact TDHCA for Subordination & Modification related items
  • Contact US Bank Customer Service for current second lien terms
  • Contact eHousingPlus for questions related to the compliance file, access to the program, training, eHP system, web site, administrator guidelines