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
ELIGIBLE AREA
Manatee County, FL
ELIGIBLE BORROWER(S)
Buyers and Spouses must be first-time homebuyers.
RATES
See Chart
DPA AVAILABLE
See Chart
LOAN TYPE
See Chart
INCOME AND SALES PRICE LIMITS
Income and Sales Price Limits
MCC
Effective 10/01/24 any buyer who income qualifies for the HFA of Manatee County MCC is required to receive the MCC when originating the Key to Homeownership Program. See guidelines for details.
TIMELINE REQUIREMENTS
70 days from Reservation to Loan Purchase. Underwriter Certification within 15 days of reservation.
HOMEBUYER EDUCATION
Homebuyer Education
CO-SIGNERS
Co-signers allowable, see guidelines for details. Non-occupant co-borrower is not allowable.
PROGRAM GUIDELINES
Program Guidelines
Target Area Maps
Target Area Maps
PARTICIPATING LENDERS
Participating Lenders
MCC
HFA of Manatee County MCC | At-A-Glance
| AVAILABLE PROGRAMS | HFA of Manatee County Mortgage Credit Certificate Program |
| ELIGIBLE AREA | Manatee County, FL |
| ELIGIBLE BORROWER(S) | First-Time Buyer Requirement (Borrower and Spouse) |
| INCOME AND SALES PRIVE LIMITS | Income and Sales Price Limits |
| TIMELINE REQUIREMENTS | Underwriter Certified within 15 days of loan reservation. Delivered to eHousingPlus within 10 days of closing. |
| HOMEBUYER EDUCATION | Homebuyer Education |
| PROGRAM GUIDELINES | MCC Guidelines |
| PARTICIPATING LENDERS | Participating Lenders |
Today’s Rates & Offerings
HFA of Manatee County | Rates & Offerings
| [ Business Days 10am – 8pm ET ] | |||||
|---|---|---|---|---|---|
| Government (w/second) | |||||
| Offering | FICO | DPA | Lock Rate | ||
| FHA, USDA-RD or VA | 660 | up to $15,000 | 5.875% | ||
| Conventional (w/second) | |||||
| Offering | FICO | DPA | Lock Rate | ||
| Freddie Mac 80% AMI & Freddie Mac OVER 80% AMI | 640 | up to $15,000 | 6.250% | ||
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
ELIGIBLE AREA
Manatee County, FL
ELIGIBLE BORROWER(S)
Buyers and Spouses must be first-time homebuyers.
RATES
See Chart
DPA AVAILABLE
See Chart
LOAN TYPE
See Chart
INCOME AND SALES PRICE LIMITS
Income and Sales Price Limits
MCC
Effective 10/01/24 any buyer who income qualifies for the HFA of Manatee County MCC is required to receive the MCC when originating the Key to Homeownership Program. See guidelines for details.
TIMELINE REQUIREMENTS
70 days from Reservation to Loan Purchase. Underwriter Certification within 15 days of reservation.
HOMEBUYER EDUCATION
Homebuyer Education
CO-SIGNERS
Co-signers allowable, see guidelines for details. Non-occupant co-borrower is not allowable.
PROGRAM GUIDELINES
Program Guidelines
Target Area Maps
Target Area Maps
PARTICIPATING LENDERS
Participating Lenders
MCC
HFA of Manatee County MCC | At-A-Glance
AVAILABLE PROGRAMS
HFA of Manatee County Mortgage Credit Certificate Program
ELIGIBLE AREA
Manatee County, FL
ELIGIBLE BORROWER(S)
First-Time Buyer Requirement (Borrower and Spouse)
INCOME AND SALES PRIVE LIMITS
Income and Sales Price Limits
TIMELINE REQUIREMENTS
Underwriter Certified within 15 days of loan reservation. Delivered to eHousingPlus within 10 days of closing.
HOMEBUYER EDUCATION
Homebuyer Education
PROGRAM GUIDELINES
MCC Guidelines
PARTICIPATING LENDERS
Participating Lenders