Today’s Rates & Offerings [ Business Days 10am – 7pm ET] March 14, 2025
Florida | Rates & Offerings
|
[ Business Days 10am - 7pm ET ] August 7, 2026 Reservation Timeline Requirements: All First and Second Mortgage Loans Must Adhere to a 60-Day Delivery Timeline from Reservation (In eHPortal) to Loan Purchase By Lakeview. More Information Can Be Found in the Program Guideline. NOTE: Prior to locking any loans, lender must have a FULLY EXECUTED Purchase Contract in hand, otherwise the loan will NOT be purchased. |
||||||
|---|---|---|---|---|---|---|
|
Over $40 Million Available in Hometown Heroes 2026 DPA You may not switch an existing reservation to HTH. |
||||||
| 2026 HOMETOWN HEROES PROGRAM - BOND | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA-RD, VA |
640 | 5% (Max $35,000) | 6.250% | |||
|
Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI |
6.750% | |||||
| Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI | 6.500% | |||||
| 2026 HOMETOWN HEROES PROGRAM - TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA-RD, VA |
640 | 5% (Max $35,000) | 6.500% | |||
| Freddie Mac (HFA Advantage) <= 80% AMI | 6.750% | |||||
| Freddie Mac (HFA Advantage) OVER 80% AMI | 6.750% | |||||
| STANDARD BOND | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA-RD, VA |
640 | FL Assist $10k or FL HLP $12.5k | 7.000% | |||
|
Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI |
7.500% | |||||
| Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI | 7.250% | |||||
| STANDARD TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA-RD, VA |
640 | FL Assist $10k or FL HLP $12.5k | 7.125% | |||
|
Freddie Mac (HFA Advantage) <= 80% AMI |
7.250% | |||||
|
Freddie Mac (HFA Advantage) OVER 80% AMI |
7.375% | |||||
| PLUS TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
Freddie Mac (HFA Advantage) <= 80% AMI |
640 | 3% | 7.125% | |||
| 4% | 7.375% | |||||
| 5% | 7.750% | |||||
|
Freddie Mac (HFA Advantage) OVER 80% AMI |
3% | 7.250% | ||||
| 4% | 7.500% | |||||
| 5% | 7.875% | |||||
Approved Programs
STANDARD BOND
STANDARD TBA
PLUS TBA
2026 HOMETOWN HEROES
FHFC Hometown Heroes | At-A-Glance
| AVAILABLE PROGRAMS | 2026 HOMETOWN HEROES |
| Eligible Area | Entire state of FL |
| Rates | See Chart |
| PROGRAM GUIDELINES | 2026 HTH Bond Guidelines |
| PROGRAM GUIDELINES | 2026 HTH TBA Guidelines |
| HTH Eligible Employers | 2026 HTH Eligible Employers & Checklist |
| HTH TBA vs. Bond Cheat Sheet | 2026 HTH TBA vs HTH Bond Cheat Sheet |
| HTH FAQ | 2026 HTH FAQ |
| Borrower Certification | 2026 HTH Borrower Certification |
| HTH Marketing Flyer | 2026 HTH Marketing Flyer |
| 2025 HTH Bond Guidelines | 2025 HTH Bond Guidelines |
| 2025 HTH TBA Guidelines | 2025 HTH TBA Guidelines |
Program Guidance
BOND VS. TBA CHEAT SHEET
BULLETINS
eHP PROCESS ORIGINATION TO PURCHASE
FOR BROKERS
FHFC For Brokers
| Subscribe to FHFC Bulletins | Subscribe to FHFC Bulletins |
| TPO Memorandum | TPO Memorandum |
FOR CLOSERS
FHFC For Closers
| Bond Programs | Bond Closing Cheat Sheet |
| Bond Program | Bond Program Official Sample Closing Packet |
| TBA Programs | TBA Closing Cheat Sheet |
| TBA Program | TBA Program Official Sample Closing Packet |
FOR UNDERWRITERS
FHFC For Underwriters
| Overview of Program UW Requirements | UW Guidelines Overview |
| Documentation Required to Validate FTHB Eligibility | FTHB Documentation Guide |
| Key Income Qualification Rules | Income Calculation Cheat Sheet |
| Common UW Errors to Avoid | Common Pitfalls |
TARGETED AREA CENSUS TRACTS AND MAPS
TERM SHEETS
FHFC Term Sheets
| NEW – Self-Employment Documentation Checklist | Self-Employment Documentation Checklist |
| 203k Term Sheets | 203k Term Sheet |
| Co-Signor Term Sheet | Co-Signor Term Sheet |
| Manufactured Housing Term Sheet | Manufactured Housing Term Sheet |
| Master Term Sheet for Stand | Master Term Sheet |
| Homebuyer Education | Homebuyer Education Providers |
| 80% AMI Conv. Loan Limits | 80% AMI Limits |
Today’s Rates & Offerings
Over $40 Million Available in Hometown Heroes 2026 DPA You may not switch an existing reservation to HTH. FHA, USDA-RD, VA Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI FHA, USDA-RD, VA FHA, USDA-RD, VA Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI FHA, USDA-RD, VA Freddie Mac (HFA Advantage) <= 80% AMI Freddie Mac (HFA Advantage) OVER 80% AMI Freddie Mac (HFA Advantage) <= 80% AMI Freddie Mac (HFA Advantage) OVER 80% AMIFlorida | Rates & Offerings
[ Business Days 10am - 7pm ET ] August 7, 2026 Reservation Timeline Requirements: All First and Second Mortgage Loans Must Adhere to a 60-Day Delivery Timeline from Reservation (In eHPortal) to Loan Purchase By Lakeview. More Information Can Be Found in the Program Guideline. NOTE: Prior to locking any loans, lender must have a FULLY EXECUTED Purchase Contract in hand, otherwise the loan will NOT be purchased.
2026 HOMETOWN HEROES PROGRAM - BOND
Offering
FICO
DPA
Lock Rate
640
5% (Max $35,000)
6.250%
6.750%
Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI
6.500%
2026 HOMETOWN HEROES PROGRAM - TBA
Offering
FICO
DPA
Lock Rate
640
5% (Max $35,000)
6.500%
Freddie Mac (HFA Advantage) <= 80% AMI
6.750%
Freddie Mac (HFA Advantage) OVER 80% AMI
6.750%
STANDARD BOND
Offering
FICO
DPA
Lock Rate
640
FL Assist $10k or
FL HLP $12.5k
7.000%
7.500%
Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI
7.250%
STANDARD TBA
Offering
FICO
DPA
Lock Rate
640
FL Assist $10k or
FL HLP $12.5k
7.125%
7.250%
7.375%
PLUS TBA
Offering
FICO
DPA
Lock Rate
640
3%
7.125%
4%
7.375%
5%
7.750%
3%
7.250%
4%
7.500%
5%
7.875%