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

 

for loans reserved prior to 9/30, please see Summary (9/30)

 

 

 

 

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

  • Program 79 (TMP, MCC Combo, Bond Eligible)
  • MCC 83 
ELIGIBLE AREAS
  • 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) 
ELIGIBLE LOAN TYPES
  • FHA, VA, RHS, HFA Preferred –Program(s) 79 
  • FHA, VA, RHS, Conventional – MCC
DOWN PAYMENT ASSISTANCE
  • Down payment and Closing Cost Assistance
  • multiple levels of assistance 
    • see the Rates/Offerings Tab
ELIGIBILITY CRITERIA
  • 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
INCOME LIMIT CRITERIA
  • Click to view the Program Income Limits    
  • Household income includes the gross income for All mortgagors(s) and Spouse (includes NPS)  
ACQUISITION LIMITS 
HOME BUYER EDUCATION
  • Pre-Purchase Homebuyer education course required for all Borrowers.
FICO & DTI REQUIREMENT 
  • 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
  • Co-signers are permitted in accordance with FHA requirements. For details, Click here
REQUEST EXTENSION
  • 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
THE AGENCY
  • Issues the programs
  • Creates the first mortgage and down payment assistance options
  • Sets the rate, term and points, Lender relationships, Markets the program
THE LENDER
  • 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.
THE MASTER SERVICER
  • Provides information and training concerning the mortgage loan file, acceptable loan products, delivery and funding, reviews/purchases the mortgage file
QUESTIONS?
  • 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

 

 GOVERNMENT LOANS
Offering Min FICO Rate  DPA Provided Origination Points SRP
BOND Loans (without an MCC) 620  4.125%  4% 0%  2.75% 
COMBO* Loan (with an MCC) 4.125%  4% 
 CONVENTIONAL LOANS – FNMA HFA Preferred (with or without MCC)
HFA Preferred 620  4.875% 5% 0% 2.75%
4.500% 3%
 
MCC 83 Current MCC rate is 40%

 

  • * The COMBO loan is when the MCC is added to the TMP 79 loan.
  • DPA is in the form of a second lien, 30-year term, and due on sale/transfer. 

 

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 – for loans reserved thru 9/30  Administrator's Guidelines 6/8 7/15            (loans with US Bank as servicer)

 

  • Administrator Guidelines (11/3) – for loans reserved on/after 10/1  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

 SAMPLES

  •  REFI     (Temporarily suspended for new reservations as of 10/1)
  • REFI – Borrower Authorization when Requesting a Payoff/escrow credit  view EXTERNAL_LINK_EHOUSINGPLUS_32x32

 

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

 

Program 79  (with Idaho as Servicer)

 

MCC 83

 

  • Academy Mortgage Corporation
  • Affiliated Bank
  • American Financial Network
  • Annie-Mac Home Mortgage
  • ARK-LA-TEX Financial Services, LLC dba Benchmark Mtg
  • Bay Equity
  • Broker Solutions Inc., dba New American Funding
  • CalCon Mutual Mortgage, LLC
  • Caliber Home Loans, Inc
  • Capstar Lending, LLC
  • Castle & Cooke Mortgage, LLC.
  • CMG Mortgage, INC DBA CMG Financial
  • Cornerstone Home Lending, Inc.
  • CrossCountry Mortgage, Inc.
  • DHI Mortgage Co., Ltd.
  • Diamond Residential Mortgage Corp.
  • Envoy Mortgage, Ltd
  • Everett Financial, Inc., dba Supreme Lending
  • Fairway Independent Mortgage Corp
  • Finance of America Mortgage, LLC
  • First California Mortgage DBA FirstCal
  • First Choice Loan Services, Inc.
  • First Community Mortgage
  • First Continental Mortgage, LTD.
  • Gardner Financial Services dba Legacy Mutual Mortgage
  • Gateway Mortgage Group, LLC
  • Geneva Financial, LLC
  • Georgetown Mortgage
  • Guild Mortgage Company
  • Highlands Residential Mortgage
  • HomeBridge Financial Services, Inc (REMN)
  • Hometrust Mortgage Company
  • Houstonian Mortgage Group, Inc.
  • InterLinc Mortgage Services, LLC
  • K. Hovnanian American Mortgage, LLC.
  • LeaderOne Financial Corp.
  • LoanDepot LLC dba iMortgage
  • LoanStar Home Loans, LLC dba LoanStar Home Lending
  • Mission Mortgage of Texas, Inc.
  • Mortgage Financial Services, LLC.
  • Mountain West Financial, Inc.
  • Nations Reliable Lending
  • Network Funding, L.P.
  • New Penn Financial
  • Northstar Bank of Texas
  • On Q Financial, Inc.
  • Pacific Union Financial, LLC.
  • Penn Financial
  • Premier Nationwide Lending (NTFN)
  • Primary Residential Mortgage
  • PrimeLending
  • Pulte Mortgage LLC
  • Rocky Mountain Mortgage Company
  • Security National Mortgage Company
  • Sente Mortgage
  • SFMC, LP dba Service First Mortgage Co
  • Stearns Lending
  • Success Mortgage Partners, Inc. (SMP Mortgage, Inc)
  • SWBC Mortgage Corporation
  • The Home Lending Group
  • Tri-State Mortgage Company
  • Universal American Mortgage Company
  • US Bank
  • Wallick & Volk
  • Weststar Bank
  • Whitney Bank
  • WR Starkey Mortgage, LLP
Academy Mortgage Corporation
Affiliated Bank
Affiliated Mortgage
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 TexasBarton Creek Lending Group, LLC
Bay Equity LLC
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.
Elite Financing Group, LLC.
Envoy Mortgage, Ltd
Everett Financial, Inc., dba Supreme Lending
Fairway Independent Mortgage Corp
First American Mortgage
First California Mortgage DBA FirstCal
First Choice Loan Services, Inc.
First Community Bank
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, LLC
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 (prev REMN)
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.
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.
PNC Mortgage
Precious Realty & Mortgage, LLC
Premier Nationwide Lending (NTFN, Inc.)
Primary Residential Mortgage
PrimeLending
PrimeWest Mortgage Corp.
Prodigy, Inc.
Prospect Mortgage
Pulte Mortgage LLC
RANLife,Inc.
Republic State Mortgage Company
Residential Bancorp
Security American Mortgage
Security National Mortgage Company
Sente Mortgage
SFMC, LP dba Service First Mortgage Co
Southwest Funding, LP
Standard Pacific Mortgage, Inc.
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
Universal American Mortgage Company
Venta Financial Group Inc dba Alterra Mortgage
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
  • 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 .

 

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%

________

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.

______

 

PROGRAM

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?

LOAN

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?

LENDER

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?

VETERANS

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
  • Program 79 FHA Streamlined Refinance – for loans reserved thru 9/30
  • 10/1 the Refi Program is temporarily suspended for new reservations.
ELIGIBLE AREAS
  • Statewide Texas
LOAN TIME LINE REQUIREMENTS
  • Approved by eHP and Purchased by Servicer within 60 days of loan reservation
ELIGIBLE LOAN TYPES
  • FHA Streamline
DOWN PAYMENT ASSISTANCE
  • up to $3,500 for reimbursable Costs
ELIGIBILITY CRITERIA
  • Closed using Program 79
  • Closed prior to Jan 26, 2015
  • Meets TDHCA FHA Streamline requirements
INCOME LIMIT CRITERIA
  • n/a
ACQUISITION LIMITS
  • n/a
HOME BUYER EDUCATION
  • n/a
FICO & DTI REQUIREMENT
  • Minimum FICO 660
REQUEST EXTENSION
  • 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
QUESTIONS?
  • 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
 

Note-Program details are available in the Administrator’s Guidelines
PROGRAMS
  • existing loans reserved thru 9/30
    • Program 79 (TMP, MCC Combo, Bond Eligible)
    • Program 79 FHA Streamlined Refinance  
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) 
ELIGIBLE LOAN TYPES
  • FHA, VA, RHS, HFA Preferred –Program(s) 79 
DOWN PAYMENT ASSISTANCE
  • Down payment and Closing Cost Assistance
  • multiple levels of assistance 
ELIGIBILITY CRITERIA
  • 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
INCOME LIMIT CRITERIA
  • Click to view the Program Income Limits    
  • Household income includes the gross income for All mortgagors(s) and Spouse (includes NPS)  
ACQUISITION LIMITS 
HOME BUYER EDUCATION
  • Pre-Purchase Homebuyer education course required for all Borrowers.  see guidelines for details
FICO & DTI REQUIREMENT
  • not applicable – MCC
  • Applies to all borrowers – Program(s) 79
    • Minimum FICO 640, Max DTI 45%
CO-SIGNERS
  • Co-signers are permitted in accordance with FHA requirements. For details, Click here
REQUEST EXTENSION
  • 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
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
QUESTIONS?
  • 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