Today’s Rates & Offerings [ Business Days 10am – 7pm ET] March 14, 2025
Florida | Rates & Offerings
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[ Business Days 10am - 7pm ET ] June 23, 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. |
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2025 HTH funds have been fully utilized. Hometown Heroes 2026 is anticipated to start on Monday, July 13. HTH rate postings will resume on July 7. |
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| STANDARD BOND | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA-RD, VA |
640 | FL Assist $10k or FL HLP $12.5k | 7.000% | |||
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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% | |||
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Freddie Mac (HFA Advantage) <= 80% AMI |
7.375% | |||||
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Freddie Mac (HFA Advantage) OVER 80% AMI |
7.500% | |||||
| PLUS TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
Freddie Mac (HFA Advantage) <= 80% AMI |
640 | 3% | 7.125% | |||
| 4% | 7.500% | |||||
| 5% | 7.750% | |||||
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Freddie Mac (HFA Advantage) OVER 80% AMI |
3% | 7.375% | ||||
| 4% | 7.625% | |||||
| 5% | 7.875% | |||||
| 2026 HOMETOWN HEROES PROGRAM - BOND | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA-RD, VA |
640 | 5% (Max $35,000) | n/a | |||
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Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI |
n/a | |||||
| Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI | n/a | |||||
| 2026 HOMETOWN HEROES PROGRAM - TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA-RD, VA |
640 | 5% (Max $35,000) | n/a | |||
| Freddie Mac (HFA Advantage) <= 80% AMI | n/a | |||||
| Freddie Mac (HFA Advantage) OVER 80% AMI | n/a | |||||
Approved Programs
STANDARD BOND
STANDARD TBA
PLUS TBA
2025 HOMETOWN HEROES
FHFC Hometown Heroes | At-A-Glance
| AVAILABLE PROGRAMS | 2025 HOMETOWN HEROES |
| Eligible Area | Entire state of FL |
| Rates | See Chart |
| PROGRAM GUIDELINES | HTH Bond Guidelines |
| PROGRAM GUIDELINES | HTH TBA Guidelines |
| HTH Occupations | 2025 FHFC HTH Eligible Occupations Checklist and List |
| HTH TBA vs. Bond Cheat Sheet | 2025 HTH TBA vs HTH Bond Cheat Sheet |
| Borrower Certification | 2025 Borrower Certification |
| HTH Marketing Flyer | 2025 HTH Marketing Flyer |
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
| 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
2025 HTH funds have been fully utilized. Hometown Heroes 2026 is anticipated to start on Monday, July 13. HTH rate postings will resume on July 7. 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% AMI FHA, USDA-RD, VA Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI FHA, USDA-RD, VAFlorida | Rates & Offerings
[ Business Days 10am - 7pm ET ] June 23, 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.
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%
7.375%
7.500%
PLUS TBA
Offering
FICO
DPA
Lock Rate
640
3%
7.125%
4%
7.500%
5%
7.750%
3%
7.375%
4%
7.625%
5%
7.875%
2026 HOMETOWN HEROES PROGRAM - BOND
Offering
FICO
DPA
Lock Rate
640
5% (Max $35,000)
n/a
n/a
Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI
n/a
2026 HOMETOWN HEROES PROGRAM - TBA
Offering
FICO
DPA
Lock Rate
640
5% (Max $35,000)
n/a
Freddie Mac (HFA Advantage) <= 80% AMI
n/a
Freddie Mac (HFA Advantage) OVER 80% AMI
n/a