metroDPA (with TMS) Program Highlights

metroDPA TMS Servicer

MetroDPA TMS Servicer | At-A-Glance

AVAILABLE PROGRAMS metroDPA TMS Servicer
ELIGIBLE AREA Eligible Areas
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
LLPA LLPA for purchase of 2-unit property or manufactured housing.
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME LIMITS Income Limits
PURCHASE LIMITS There are no purchase price limits in this program. Follow Agency and GSE (FHA, USDA-RD, VA, Fannie Mae and Freddie Mac) guidelines for maximum loan limits.
TIMELINE REQUIREMENTS 60 calendar days from loan reservation to loan purchase. Underwriter Certitied anytime prior to closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNERS Permitted to the extent allowed by applicable Agency (FHA, VA, USDA-RD, etc) and the servicer. Treat co-signer income as directed by Agency. A co-signer cannot have any ownership interest in the property (they cannot be on the Warranty Deed).
PROGRAM GUIDELINES metroDPA Guidelines TMS Servicer
PARTICIPATING LENDERS Participating Lenders

denFirstGen TMS Servicer

denFirstGen TMS Servicer | At-A-Glance

AVAILABLE PROGRAMS denFirstGen TMS Servicer - Program Launch 09/01/26
ELIGIBLE AREA City and County of Denver, CO
ELIGIBLE BORROWER(S) First-time, first-generation homebuyers purchasing a primary residence. The borrower and spouse, including a non-purchasing spouse, must be first-time homebuyers. Minimum 620 FICO; maximum DTI of 38%/43%.
RATES See Chart
LLPA LLPA for purchase of 2-unit property or manufactured housing.
DPA AVAILABLE $30,000, not to exceed 20% of the purchase price. Assistance is provided as a 0% interest, 30-year deferred second mortgage and is not forgiven.
LOAN TYPE FHA loans only
INCOME LIMITS Income Limits
PURCHASE LIMITS No program purchase price limit. FHA maximum loan limits apply.
TIMELINE REQUIREMENTS Underwriter Certification is required before closing. Loans must be purchased by TMS within 60 days of reservation. The NSPIRE inspection must be completed within 90 days of the loan commitment.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNERS Permitted under FHA guidelines. A co-signer may not have an ownership interest in the property or appear on the Warranty Deed.
PROGRAM GUIDELINES denFirstGen Guidelines
PARTICIPATING LENDERS Participating Lenders

Today’s Rates & Offerings

MetroDPA TMS | Rates & Offerings

[ Business Days 8:00am - 6:00pm MT ]

Offering FICO DPA Lock Rate
denFirstGen
FHA 620 $30,000 * 7.125%
FHA - 1.5% Discount 6.750%
metroDPA TMS GOVERNMENT
FHA, USDA, VA 620 0% 7.250%
3% n/a
metroDPA TMS GOVERNMENT - EDGE 2%
FHA, USDA, VA 620 0% 6.625%
3% 7.500%
metroDPA TMS CONVENTIONAL
Fannie Mae/Freddie Mac 80% AMI 620 0% 7.375%
3% n/a
Fannie Mae/Freddie Mac OVER 80% AMI  0% 7.625%
2% 8.000%
metroDPA TMS CONVENTIONAL - EDGE 2%
Fannie Mae/Freddie Mac 80% AMI 620 0% 6.875%
3% 7.625%
Fannie Mae/Freddie Mac OVER 80% AMI  0% 7.000%
2% 7.375%
* Reserve as Additional
**LLPA for purchase of 2-unit property or manufactured housing

metroDPA TMS Servicer

MetroDPA TMS Servicer | At-A-Glance

AVAILABLE PROGRAMS metroDPA TMS Servicer
ELIGIBLE AREA Eligible Areas
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
LLPA LLPA for purchase of 2-unit property or manufactured housing.
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME LIMITS Income Limits
PURCHASE LIMITS There are no purchase price limits in this program. Follow Agency and GSE (FHA, USDA-RD, VA, Fannie Mae and Freddie Mac) guidelines for maximum loan limits.
TIMELINE REQUIREMENTS 60 calendar days from loan reservation to loan purchase. Underwriter Certitied anytime prior to closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNERS Permitted to the extent allowed by applicable Agency (FHA, VA, USDA-RD, etc) and the servicer. Treat co-signer income as directed by Agency. A co-signer cannot have any ownership interest in the property (they cannot be on the Warranty Deed).
PROGRAM GUIDELINES metroDPA Guidelines TMS Servicer
PARTICIPATING LENDERS Participating Lenders

denFirstGen TMS Services

denFirstGen TMS Servicer | At-A-Glance

AVAILABLE PROGRAMS denFirstGen TMS Servicer - Program Launch 09/01/26
ELIGIBLE AREA City and County of Denver, CO
ELIGIBLE BORROWER(S) First-time, first-generation homebuyers purchasing a primary residence. The borrower and spouse, including a non-purchasing spouse, must be first-time homebuyers. Minimum 620 FICO; maximum DTI of 38%/43%.
RATES See Chart
LLPA LLPA for purchase of 2-unit property or manufactured housing.
DPA AVAILABLE $30,000, not to exceed 20% of the purchase price. Assistance is provided as a 0% interest, 30-year deferred second mortgage and is not forgiven.
LOAN TYPE FHA loans only
INCOME LIMITS Income Limits
PURCHASE LIMITS No program purchase price limit. FHA maximum loan limits apply.
TIMELINE REQUIREMENTS Underwriter Certification is required before closing. Loans must be purchased by TMS within 60 days of reservation. The NSPIRE inspection must be completed within 90 days of the loan commitment.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNERS Permitted under FHA guidelines. A co-signer may not have an ownership interest in the property or appear on the Warranty Deed.
PROGRAM GUIDELINES denFirstGen Guidelines
PARTICIPATING LENDERS Participating Lenders