Travis HFC

Travis HFC – Hill Country Home Down Payment Assistance Program
Note – for details, see the Administrator’s Guidelines under GUIDE & FORMS

travis      Travis County Housing Finance Corporation



Lender/Program Portal


  • Continuous Funding
  • RESERVATIONS/LOCKS – OPEN 9 am – 7 pm CT (10 am – 8 pm EST )
  • All other functions available 24/7
  • Travis County
  • DO NOT RESERVE EARLY: Must complete Underwriter Certification by 15th day
    Reservation to UW Certification: 15 days
  • Reservation to Close: 45 days
  • Reservation to Loan Purchase: 70 days
  • Any loan not purchased within 70 days is ineligible for purchase unless the lender chooses a one-time only 30-day extension.   Extensions will kick in after expiration.
  • Non-First Time Buyers
  • Borrower(s) & Spouses must occupy the property as their Primary Residence
  • non-permanent resident – follow Agency (FHA, VA, USDA) guidelines
  • 5% of Final Loan Amount – Grant
  • For all household sizes income cannot exceed $108,920
  • Household income = 1003 Credit Qualifying Income (not co-signor’s)
  • 314,458
  • Required for First-time buyers
  • Applies to all borrowers
  • Max DTI 45%
  • Minimum FICO – see guidelines
  • Permitted for FHA loans, use FHA guidelines.
  • May NOT have ownership interest. May NOT reside in the residence
  • Online, once logged in to eHP system: See Forms
  • Creates the First Mortgage Program
  • Provides the Down Payment Assistance Grant
  • Sets the rate, term, points and options, Lender relationships, Markets the Program
  • Agency Website Interested in participating, click here
  • Takes applications for the program
  • Reserves first mortgage in eHousingPlus system
  • Must meet loan processing timeline
  • Process, Underwriter, Certify, Fund, Close and Sell qualified loans to the Program Master Servicer
  • Provides information and training concerning the mortgage loan file, acceptable loan products, delivery and funding, reviews/purchases the mortgage file
  • Servicer Lender Guides, Click here
  • If you need assistance getting to the Servicer Lender Guides, Click here. To contact US Bank Lender Help Desk, Click here.

Current Rate/Offerings – Reservation/locks – AVAILABLE from 9:00am-7:00pm Central (10-8 EDT excluding weekends & holidays)

Rate/Offerings FICO Lock Rate DPA Effective Date
USDA-RD or VA 640 4.625% w/5% 4/20
FHA 660 w/5%
FHA 640-659 w/4%
USDA-RD or VA 640 5.00% w/6% 4/21
FHA 660 w/6%
FHA 640-659  w/5%


  • All Loans are Assisted Rate Loans
  • 30 Year, Fixed Rate, Amortized
  • DPA Assistance – based on Final Loan Amount (system will calculate)
  • non-repayable Grant
  • manufactured homes not allowed
  • manual UW not allowed

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

Administrator Guidelines (1/27)     7/2

  • 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 Sample Forms form

The Following Lenders have been approved to originate loans in this Program:


Academy Mortgage Corporation
Affiliated Bank Mortgage
American Financial Network, Inc.
American Southwest Mortgage Corporation
AmeriPro Funding
Ark-La-Tex Financial Services LLC dba Benchmark Mortgage
Capstar Lending, LLC
Castle & Cooke Mortgage, LLC.
CLM Mortgage, LLC
CMG Mortgage, Inc. dba CMG Financial
Colonial Savings, F.A., dba Colonial National Mortgage
Cornerstone Home Lending Inc.
Cross Country Mortgage
DHI Mortgage Company, Ltd.
Envoy Mortgage, Ltd.
Everett Financial, Inc. dba Supreme Lending
Evolve Bank & Trust
Fairway Independent Mortgage Company
The Federal Savings Bank
First Continental Mortgage, Ltd
Gateway Mortgage Group, LLC
Gardner Financial Services, LTD
Georgetown Mortgage
Guild Mortgage Company
Highlands Residential Mortgage, Ltd.
Interlinc Mortgage Services, LLC LLC, dba Imortgage
Legacy Mortgage, LLC.
Mid America Mortgage, Inc.
Mortgage Financial Services Inc
Mission Mortgage of Texas
Nations Reliable Lending, LLC
Northstar Bank of Texas
NTFN, Inc. d/b/a Premier Nationwide Lending.)
On Q Financial, Inc.
Open Mortgage
PrimeLending, A Plains Capital Company
Pulte Mortgage, LLC
Republic State Mortgage Co.
Security National Mortgage Company
Sente Mortgage, Inc.
Service First Mortgage Company
SWBC Mortgage Corporation
Universal American Mortgage Company (UAMC)
Wallick & Volk
Wells Fargo Bank, N.A
Willow Bend Mortgage
WR Starkey Mortgage, LLP

Interested in becoming a participating lender? Contact us.


Program Updates
  • 1/26 – Purchase Price limit becomes effective 314,458
  • 12/1- MANUFACTURED HOMES are eliminated
  • 12/1 – FHA – no manual underwriting
  • 7/1/15- The income limit is increased from $105,560 to $107,520
  • 11/10 – Reminder that only folks attending the 11/6 training whose companies are approved will have access
  • 11/10- Program starts
  • 11/6 – Program launch training

EhousingPlus University    

  1. eHP Lender Program Training
    • Required for everyone participating in the program
    • offered 24/7
    • Click here to attend Program training
  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

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.