Manatee Program Highlights

Key to Homeownership with Second Mortgage

HFA of Manatee CountyKey to Homeownership with Second Mortgage | At-A-Glance

AVAILABLE PROGRAMS Key to Homeownership with Second Mortgage Program
QUESTIONS Questions
ELLIGIBLE AREA Manatee County, FL
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME AND SALES PRICE LIMITS Income and Sales Price Limits
TIMELINE REQUIREMENTS 70 days from Reservation to Loan Purchase. Underwriter Certification within 15 days of reservation.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signors and Non-Occupant Co-Borrower
PROGRAM GUIDELINES Program Guidelines
Target Area Maps Target Area Maps
PARTICIPATING LENDERS Participating Lenders

Key to Homeownership with Grant

HFA of Manatee County with Grant | At-A-Glance

AVAILABLE PROGRAMS Key to Homeownership Grant with Program
ELLIGIBLE AREA Manatee County, FL
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME AND SALES PRICE LIMITS Income & Sales Price Limits
TIMELINE REQUIREMENTS 70 days from Reservation to Loan Purchase. Underwriter Certification within 15 days of reservation.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signors
PROGRAM GUIDELINES Grant Program Guidelines
PARTICIPATING LENDERS Participating Lenders

Today’s Rates & Offerings

HFA of Manatee County | Rates & Offerings

Government (w/second)
Offering FICO DPA Lock Rate
FHA, USDA-RD or VA 660 up to $15,000 6.750%
Conventional (w/second)
Offering FICO DPA Lock Rate
Freddie Mac 80% AMI & Freddie Mac OVER 80% AMI 640 up to $15,000 7.250%
GOVERNMENT - Grant
Offering FICO DPA Lock Rate
FHA, USDA-RD or VA 660 3% n/a
CONVENTIONAL - Grant
Offering FICO DPA Lock Rate
Freddie Mac 80% AMI & Freddie Mac OVER 80% AMI 640 0% 6.750%
3% n/a
4% n/a
5% n/a

HFA of Manatee County

HFA of Manatee CountyKey to Homeownership with Second Mortgage | At-A-Glance

AVAILABLE PROGRAMS Key to Homeownership with Second Mortgage Program
QUESTIONS Questions
ELLIGIBLE AREA Manatee County, FL
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME AND SALES PRICE LIMITS Income and Sales Price Limits
TIMELINE REQUIREMENTS 70 days from Reservation to Loan Purchase. Underwriter Certification within 15 days of reservation.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signors and Non-Occupant Co-Borrower
PROGRAM GUIDELINES Program Guidelines
Target Area Maps Target Area Maps
PARTICIPATING LENDERS Participating Lenders

Grant

HFA of Manatee County with Grant | At-A-Glance

AVAILABLE PROGRAMS Key to Homeownership Grant with Program
ELLIGIBLE AREA Manatee County, FL
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME AND SALES PRICE LIMITS Income & Sales Price Limits
TIMELINE REQUIREMENTS 70 days from Reservation to Loan Purchase. Underwriter Certification within 15 days of reservation.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signors
PROGRAM GUIDELINES Grant Program Guidelines
PARTICIPATING LENDERS Participating Lenders

MCC

HFA of Manatee County MCC | At-A-Glance

AVAILABLE PROGRAMS HFA of Manatee County Mortgage Credit Certificate Program
ELLIGIBLE AREA Manatee County, FL
ELIGIBLE BORROWER(S) First-Time Buyer Requirement (Borrower and Spouse)
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME LIMITS Income Limits
PURCHASE LIMITS Purchase Price Limits
TIMELINE REQUIREMENTS Underwriter Certified within 15 days of loan reservation. Delivered to eHousingPlus within 10 days of closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signers are permitted with FHA loans only. Co-signer cannot live in the property and cannot have any ownership interest.
PROGRAM GUIDELINES Guidelines
PARTICIPATING LENDERS Participating Lenders