Texas Department of Housing & Community Affairs

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

TDHCA logo_blue_transparent_small      

Lender / Program Portal




Note- for details on the Summary, please see the Administrator’s Guidelines in the Guide & Forms Tab

  • 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                Click to view the Rate Notice

Offering Min FICO Rate  DPA Provided Origination Points SRP
BOND Loans (without an MCC) 620 3.875% 4% 0%  2.75% 
COMBO* Loan (with an MCC) 4.125% 4%
 CONVENTIONAL LOANS – FNMA HFA Preferred (with or without MCC)
HFA Preferred 620 5.00% 5% 0% 2.75%
4.50% 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 (3/30)      Administrator's Guidelines 6/8 7/15    

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        
                 (This is a blank form in case needed to disclose prior reserving the loan)
 4/16 7/15 8/25

 SAMPLES of the program documents


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 Lending, LLC.
   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 ERA Mortgage Services, Inc.
 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.
   Texana Bank
 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
  • 3/17/17-Revised Acquisition Limits
  • 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)



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.