Pima Tucson Program Highlights

Homebuyer's Solution

Pima Tucson, Homebuyer's Solution | At-A-Glance

AVAILABLE PROGRAMS Pima-Tucson Homebuyer’s Solution
ELLIGIBLE AREA Pima County including the City of Tucson
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
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 (FHA, USDA-RD, VA and Freddie Mac) guidelines for maximum loan limits.
TIMELINE REQUIREMENTS 70 calendar days from loan reservation to loan purchase. Underwriter Certitied anytime prior to closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Are permitted by the program subject to the Lender following all applicable loan agency and US Bank guidelines.
PROGRAM GUIDELINES GUIDELINES
Participating Lenders Participating Lenders

Lighthouse Program

PIMA Lighthouse Program | At-A-Glance

AVAILABLE PROGRAMS Lighthouse Program
ELLIGIBLE AREA Pima County including the City of Tucson
ELIGIBLE BORROWER(S) First-time buyer requirement (borrower and spouse including NPS) no homeownership in the past 3 years
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME LIMITS Income Limits
PURCHASE LIMITS Purchase Price Limits
TIMELINE REQUIREMENTS 60 calendar days from loan reservation to loan purchase. Underwriter Certitied anytime prior to closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signors
PROGRAM GUIDELINES Guidelines
PRE-CLOSING FORMS Pre-Closing Forms
Participating Lenders Participating Lenders

Homebuyer's Solution

Pima Tucson, Homebuyer's Solution | At-A-Glance

AVAILABLE PROGRAMS Pima-Tucson Homebuyer’s Solution
ELLIGIBLE AREA Pima County including the City of Tucson
ELIGIBLE BORROWER(S) No first-time buyer requirement
RATES See Chart
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 (FHA, USDA-RD, VA and Freddie Mac) guidelines for maximum loan limits.
TIMELINE REQUIREMENTS 70 calendar days from loan reservation to loan purchase. Underwriter Certitied anytime prior to closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Are permitted by the program subject to the Lender following all applicable loan agency and US Bank guidelines.
PROGRAM GUIDELINES GUIDELINES
Participating Lenders Participating Lenders

Lighthouse Program

PIMA Lighthouse Program | At-A-Glance

AVAILABLE PROGRAMS Lighthouse Program
ELLIGIBLE AREA Pima County including the City of Tucson
ELIGIBLE BORROWER(S) First-time buyer requirement (borrower and spouse including NPS) no homeownership in the past 3 years
RATES See Chart
DPA AVAILABLE See Chart
LOAN TYPE See Chart
INCOME LIMITS Income Limits
PURCHASE LIMITS Purchase Price Limits
TIMELINE REQUIREMENTS 60 calendar days from loan reservation to loan purchase. Underwriter Certitied anytime prior to closing.
HOMEBUYER EDUCATION Homebuyer Education
CO-SIGNORS Co-Signors
PROGRAM GUIDELINES Guidelines
PRE-CLOSING FORMS Pre-Closing Forms
Participating Lenders Participating Lenders

Today’s Rates & Offerings [ Business Days 9:00am – 7:00pm MT ]

Pima Tucson Homebuyer's Solution | Rates & Offerings

Lighthouse Bond 2.0
Offering FICO DPA Lock Rate
FHA, VA, USDA-RD 640 4% 6.890%
Unassisted

Homebuyer’s Solution Program


FHA, VA, USDA-RD, Conventional loans limited to borrower’s with income 80% AMI (Fannie Mae HFA Preferred and Freddie Mac HFA Advantage)


  • No first-time buyer requirement
  • Must be principal residence
  • Maximum Income limits
  • No Purchase price limits (Use Agency loan limits)
  • 70 calendar days from loan reservation to loan purchase
  • 1003 Credit qualifying income
  • With this option there is NO assistance. The borrower will receive only the Homebuyers Solution first mortgage.
  • Maximum DTI 45% with 640-679 FICO
  • Maximum DTI is 50% with 680 FICO
  • Eligible area: Pima County including the city of Tucson
Offering FICO DPA Lock Rate
FHA, USDA, VA 640 0% 6.625%
Fannie Mae OR Freddie Mac <= 80% AMI 0% 6.750%
3 Year Second Lien

Homebuyer’s Solution Program


FHA, VA, USDA-RD, Fannie Mae HFA Preferred and Freddie Mac HFA Advantage


  • No first-time buyer requirement
  • Must be principal residence
  • Maximum Income limits
  • No Purchase price limits (Use Agency loan limits)
  • 70 calendar days from loan reservation to loan purchase
  • 1003 Credit qualifying income
  • Assistance offered as 3-year forgivable second mortgage OR 30-year forgivable second mortgage OR 3-year forgivable Grant (USDA-RD and VA Only)
  • Assistance is a percentage of the total (include MIP) Note amount
  • Maximum DTI 45% with 640-679 FICO
  • Maximum DTI is 50% with 680 FICO
  • Eligible area: Pima County including the city of Tucson
Offering FICO DPA Lock Rate
FHA, USDA, VA 640 1% 7.000%
FHA, USDA, VA 2% 8.125%
FHA, USDA, VA 3% n/a
Fannie Mae OR Freddie Mac <= 80% AMI 2% 7.500%
Fannie Mae OR Freddie Mac <= 80% AMI 3% n/a
30 Year Second Lien

Homebuyer’s Solution Program


FHA, VA, USDA-RD, Fannie Mae HFA Preferred and Freddie Mac HFA Advantage


  • No first-time buyer requirement
  • Must be principal residence
  • Maximum Income limits
  • No Purchase price limits (Use Agency loan limits)
  • 70 calendar days from loan reservation to loan purchase
  • 1003 Credit qualifying income
  • Assistance offered as 3-year forgivable second mortgage OR 30-year forgivable second mortgage OR 3-year forgivable Grant (USDA-RD and VA Only)
  • Assistance is a percentage of the total (include MIP) Note amount
  • Maximum DTI 45% with 640-679 FICO
  • Maximum DTI is 50% with 680 FICO
  • Eligible area: Pima County including the city of Tucson
Offering FICO DPA Lock Rate
FHA, USDA, VA 640 3% 7.250%
FHA, USDA, VA 4% 8.125%
Fannie Mae OR Freddie Mac <= 80% AMI 3% 7.375%
Fannie Mae OR Freddie Mac <= 80% AMI 4% 8.000%
Fannie Mae OVER 80% AMI 2% 7.375%
Fannie Mae OVER 80% AMI 3% 8.000%