FL HOMETOWN HEROES - EHousingPlus
Page 1 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Florida Housing Finance Corporation’s FL HOMETOWN HEROES Lender Guide (Effective June 1, 2022) Florida First Heroes (FHA, VA & USDA-RD) First Mortgage Government Loan Programs for TBA HFA Preferred Heroes Conventional Loan Program for TBA (Fannie Mae Offering) HFA Advantage Heroes Conventional Loan Program for TBA (Freddie Mac Offering) IMPORTANT PROGRAM UPDATES ON PAGE 3 .
Page 2 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide TABLE OF CONTENTS Important Updates 3 Introduction to the Florida Housing Finance Corporation, eHousingPlus and U.S. Bank Home Mortgage Partnership 4 Where to Direct Your Questions 5 Definitions 6 FL Hometown Heroes 5% Second Mortgage Program 8 Occupations Eligible for Participation 9 The First Mortgage Programs - FL First for TBA (which includes FHA, RD, VA), HFA Preferred for TBA (Fannie Mae Offering) & HFA Advantage for TBA (Freddie Mac Offering). 15 2022 Hometown Heroes Income Limits (150% AMI) 16 2022 Hometown Heroes Loan Limits 16 First Mortgage Programs TERM SHEET (FL First for TBA, HFA Preferred for TBA & HFA Advantage for TBA) 17 Who Signs What? 25 FL Hometown Heroes 5% Second Mortgage TERM SHEET 26 Loan Delivery Timeline 28 Reserving 1st and 2nd Mortgages Online 29 Closing, Shipping, Clearing Loans for Purchase 30 List of Compliance Documents to Submit after Loan Closing 31 eHP Digital Docs - (Instructions for the Delivery of Compliance Files, Fees and Corrected Deficiencies.) 33 Effective June 1, 2022
Page 3 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide IMPORTANT UPDATES Effective Date Update Page# Published 06/01/2022 Created guide for Hometown Heroes – available in all Florida Counties. Throughout Effective June 1, 2022
Page 4 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide INTRODUCTION TO THE FLORIDA HOUSING FINANCE CORPORATION, eHousingPlus AND US BANK HOME MORTGAGE PARTNERSHIP Florida Housing Finance Corporation (FL Housing) (EIN 59-3451366) offers first mortgage products and down payment and closing cost assistance second mortgage programs to eligible First Time Homebuyers through a network of approved Participating Lenders. Participating Lenders originate, underwrite, close, fund in their loan origination systems, and deliver all closed Program loans to US Bank Home Mortgage for purchase. In addition, Program loans (all first mortgage and second mortgages and grant programs) are reserved/locked, underwriter certified, and final Program closing documents pulled from the eHousingPlus eHPortal. eHousingPlus (eHousing) Provides eHPortal, a reservation and reporting system utilized by Participating Lenders in Florida Housing’s Homebuyer Programs. Offers eHPortal training for all Participating Lenders, assistance with the reservation system and assists Participating Lenders with Program questions and requirements. Provides eHP Digital Docs, a secure electronic file delivery system in which Participating Lenders upload compliance files and any missing documentation noted through eHousing’s compliance review based on the eligibility requirements set forth in this Program Guide. Assists Participating Lenders with submitting Compliance Review Fees through eHousing’s online payment system, eHPay. Review and approve the compliance file. US Bank Home Mortgage (US Bank) Serves as master servicer of all first and second mortgage loans originated in Florida Housing’s Homebuyer Program. Provides training to Participating Lenders regarding the delivery and purchase requirements of all first and second mortgage loans. Offers assistance with loan delivery requirements to Participating Lenders. Notifies Participating Lenders of any collateral file exceptions on delivered loans. Review and purchase the mortgage file. Effective June 1, 2022
Page 5 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide WHERE TO DIRECT YOUR QUESTIONS Please direct any questions or concerns to the appropriate party listed below. Florida Housing Finance Corporation Toll Free: (850)488-4197 http://www.floridahousing.org/ Contact Chip White Sandy Smith Mark Pease Natalyne Zanders Title Homebuyer Loan Program Director Homebuyer Loan Program Manager Homebuyer Loan Program Business Development Senior Homebuyer Loan Programs Analyst Email DPA@FLORIDAHOUSING.ORG Phone charles.white@floridahousing.org 850.488-4197 Sandy.Smith@floridahousing.org 850.488-4197 Mark.Pease@floridahousing.org 850.488-4197 Natalyne.Zanders@floridahousing.org 850.488-4197 eHousingPlus 954-217-0817 or Toll Free (888) 643-7974 Question Option # email Lender Training (Program & System) Option #4 Click here Lender User Access (Credentials, Disabled Access, etc) Option #1 Click here eHPay - Digital Payment of Compliance Fees Option #3 Click here Program Eligibility Questions - READ THIS GUIDE FIRST Option #4 Click here Deficiencies - Access the Deficiencies/Exceptions Report on the eHPortal, under Reports. If you have a specific question related to a missing or incorrect delivery, you can contact us. Option #5 NO EMAIL Upload ONLY to Digital Docs Loan Specific Questions - If you have any questions related to a specific loan already in our system, need to make changes that are locked or other borrower issues. Option #6 Click here Questions about the Compliance File, Deficiencies and Missing Documents (do NOT email deficiency or missing documents, upload ONLY to Digital Docs) Option #7 Click here (800) 562-5165 Click here Shipping Compliance File to eHousingPlus Questions Option 2 Click here System Errors - Technical Assistance Option #7 Click here (800) 562-5165 Click here Credit underwriting questions, refer to their internal UW Department or US Bank DU Findings, DTI, Insurance, Collateral and Purchase of the loan questions all need to be addressed by the Servicer directly. eHousingPlus cannot assist you with questions related to these items. Shipping First or Second mortgage closed loan files Questions regarding exceptions on first and second mortgage closed loan files U.S. Bank Effective June 1, 2022
Page 6 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide DEFINITIONS Agency means FHA (Federal Housing Administration of the United States Department of Housing and Urban Development), VA (Veteran’s Affairs) or USDA/RD (Rural Development Service of the United States Department of Agriculture). Co-Signor means a borrower who will not occupy the property and does not take any ownership interest in the property. Co-Signors do not execute the mortgage or appear on deed. Co-signors execute the note only (includes the first and second mortgage note). CoSignors are currently allowed in the Program. Conventional Loan Program means any approved loan satisfying the requirement of Fannie Mae originated in Florida Housing’s Homebuyer Program. Documentary Stamp Tax and Intangible Tax Exemption means under Section 420.513(1), Florida Statutes, first and second mortgages and notes given to secure the repayment of a loan issued in connection with the financing of housing under Florida Housing’s Homebuyer Programs are exempt from documentary stamp tax and intangible tax. Deeds are not exempt. Fannie Mae means the Federal National Mortgage Association, a corporation organized and existing under the Federal National Mortgage Association Charter Act, 12 U.S.C. 1716 et seq., or any successor thereto. FHA/VA/USDA-RD Loans means Mortgage Loans which are FHA insured, U.S. Department of Veterans Affairs (VA) Guaranteed, or U.S. Department of Agriculture Rural Development (USDA-RD) Guaranteed. First Time Homebuyer is a borrower or borrowers who have not both owned and occupied a primary residence within the last three years. Freddie Mac means the Federal Home Loan Mortgage Corporation, and its successors and assigns. Government Loan Program means any FHA, VA or USDA-RD Mortgage Loans originated in Florida Housing’s Homebuyer Program. GSE means the Government Sponsored Enterprises which includes Fannie Mae and Freddie Mac. Homebuyer Programs or Program means Florida Housing’s homeownership assistance programs and the requirements of which are set forth in this Program Guide. Income Limit means the federally adjusted income limits which are set forth in this Program Guide. Lender or Participating Lender means a home mortgage lending institution approved by Florida Housing for the Program. Mortgage means the written instrument creating a lien on real property to provide security for
Page 7 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide the payment of a Mortgage Loan. Mortgage Loan means a qualified loan originated by a Lender under the Program with respect to real property, which is evidenced by a Mortgage Note and secured by a Mortgage that creates a first or second lien. Mortgage Note means the promissory note evidencing the obligation to repay a Mortgage Loan. Non-Occupying Co-Borrower means a borrower who will not occupy the property and can take an ownership interest in the property. Non-occupying co-borrowers execute the note (first and second mortgage note) and may appear on deed. Non-occupying co-borrowers are strictly prohibited from participating in the Program. Ownership Interest for Program purposes this refers to a stake a party has in a primary residence and who appears on the deed to such property. Program Loan Limits means the maximum amount of first mortgage funds that a homebuyer may borrow with government or conventional financing in the Florida Hometown Heroes Program1. Private Mortgage Insurance (PMI) means primary mortgage insurance coverage that borrowers must obtain through a private mortgage insurance provider that reduces the risk for lenders and investors on conventional loans that have loan-to-value balances exceeding 80% at loan origination. Program Qualifying Income means a borrower(s) income as reflected on the Uniform Residential Loan Application (URLA) or Fannie Mae Form 1003 (1003) which is considered in credit underwriting. Reasonable and Customary Closing Costs means reasonable and customary fees determined to satisfy all Agency guidelines such that those fees will not impact the insurability or the guarantee of mortgage loans by the Agencies. State means the State of Florida. Effective June 1, 2022
Page 8 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide The FL Hometown Heroes Loan Program (Hometown Heroes) makes housing affordable for eligible workers, educators and military personnel by providing down payment and closing cost assistance to qualified homebuyers. Hometown Heroes offers a lower first mortgage rate AND additional special benefits to those who currently serve their communities and those who have served and continue to serve their country. The FL Hometown Heroes Loan Program is offered through our TBA (The Bond Alternative) Program which helps to increase and preserve affordable housing opportunities for Florida’s frontline, emergency workers and military personnel (active duty and veterans.) With our TBA Program, the income and the first time homebuyer status of the borrower(s) only is considered. This Program does not consider household income or the first time homebuyer status of the spouse if the spouse is not the loan. (Borrower(s) are the parties which appear on the note.) The FL Hometown Heroes Loan Program also offers eligible borrowers a greater opportunity to purchase a home and remain in the community in which they work and serve. The Florida Hometown Heroes does not have an upfront 1% Origination Fee which is charged on other FL Housing first mortgage loan products which saves borrower(s) thousands of dollars in upfront closing costs. Lenders are not permitted to charge the standard 1% Origination Fee charged on FL Housing’s other first mortgage program loan products. They are allowed to charge standard, reasonable and customary origination fees. Lenders will be paid 2.5% SRP on all HTH first mortgage loans at loan purchase by US Bank Home Mortgage. The FL Hometown Heroes offers lower first mortgage rates, TBA first mortgage loans, and a generous down payment and closing cost option: Florida Hometown Heroes 5% Second Mortgage – 5% of the loan amount capped at 25,000 in down payment and closing cost assistance offered as a 0%, non-amortizing, 30-year, repayable second mortgage. However, if any of the following occur, the borrower(s) refinance, pay off the first mortgage, transfer deed or no longer occupy the property as their primary residence, any unpaid principal balance will be required to be repaid, in full. Effective June 1, 2022
Page 9 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide OCCUPATIONS ELIGIBLE FOR PARTICIPATION Eligible Occupations for FL Hometown Heroes Loan Program (Participants must be employed FULL-TIME and CURRENTLY employed in a position in which their license or certification is held.) Occupations Governing State Agency Website of Governing Agency (for info on how to obtain a copy of license/certificate) Governing FL Statute Sworn Law Enforcement Officer Certified Correction Officer Correctional Probation Officer FL Department of Corrections; FL Department of Law Enforcement https://www.fdle.state.fl.us/CJSTC/Office r-Requirements/OR-FAQs.aspx F.S. s 112.531 & F.S. s 943.10 F.S. s 112.531 & F.S. s 943.10 F.S. s 943.10 Juvenile Detention Officer Juvenile Probation Officer Firefighter FL Department of Juvenile Justice FL Division of State Fire Marshal within the Department of Financial Services FL Department of Health https://www.djj.state.fl.us/services/depart raining/sd-t-teams/officercertification https://www.myfloridacfo.com/division/sf m/bfst/Standards/default.htm F.S. s 985.66 ion/emtparamedics/index.html F.S. s 112.1911 x.html F.S. s 401.465 https://www.fldoe.org/teaching/certificatio n/ F.S. s 1012.01 Certified Paramedic Certified Emergency Medical Technician (EMT) 911 Public Safety Communicator Certified Educator to include: Classroom Teacher Career Specialist Librarian/Media Specialist School Counselor Social Worker School Psychologist FL Department of Education F.S. s. 633.102 & F.S. s. 633.408 Effective June 1, 2022
Page 10 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Licensed or Registered Childcare Operator (Owner of Childcare Facility) Childcare Instructor FL Department of Children & Families F.S. s 402.305 -care/training.shtml *(employed by a LICENSED childcare facility or REGISTERED or LICENSED home childcare provider) Registered Nurse (RN) Licensed Practical Nurse (LPN) Advanced Practice Registered Nurse (APRN) Certified Registered Nurse Anesthetist Clinical Nurse Specialist Certified Nurse Midwife -care/training.shtml * Confirmation of CURRENT employment with a LICENSED childcare facility or REGISTERED or LICENSED home childcare provider accepted as validation of occupational eligibility. FL Board of Nursing https://floridasnursing.gov/licensing/ F.S. s 464.003 F.S. s 464.008 F.S. s 464.009 FL Department of Health FL Board of Nursing FL Agency for Health Care Administratio n ion/midwifery/index.html F.S. s 467.003 https://floridasnursing.gov/renewals/certif ied-nursing-assistant/ https://www.ahca.myflorida.com/MCHQ/i ndex.shtml F.S. 464.201 - Health Care Practitioner to include: Physician Physician Assistant Anesthesiologist Anesthesiologist Assistant Psychiatrist FL Board of Medicine https://flboardofmedicine.gov/licensing/ F.S. s 458.305 F.S. s 458.311, F.S. s 458.314 F.S. 458.3475 Certified Medical Assistant FL Board of Nursing with FL Board of Medicine approval of https://flboardofmedicine.gov/licensing/a nesthesiologist-assistant-licensure/ https://flboardofmedicine.gov/licensing/p ublic-psychiatry-certificate/ https://floridasnursing.gov/ Certified Nursing Assistant (CNA) Home Health Aide *(employed by a LICENSED home health agency) N/A * Confirmation of CURRENT employment with a LICENSED home health agency accepted as validation of occupational eligibility. F.S. s 458.3165 F.S. s 458.3485 F.S. s 458.307 Certification from accredited national or state medical association, Commission for Certifying Effective June 1, 2022
Page 11 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Acupuncturist Osteopathic Physician Chiropractic Physician certification course. FL Board of Acupuncture FL Board of Osteopathic Medicine FL Board of Chiropractic Medicine https://floridasacupuncture.gov/licensing/ F.S. s. 457.102 https://floridasosteopathicmedicine.gov/li censing/ F.S. s 459.003 https://floridaschiropracticmedicine.gov/li censing/ F.S. s 460.403 https://floridaschiropracticmedicine.gov/li / https://floridaspodiatricmedicine.gov/licen sing/ https://floridaspodiatricmedicine.gov/licen sing/certified-podiatric-x-ray-assistant/ e-medicinesuch-as-naturopathy-or-homeopathy/ (Must be a licensed physician in the State of FL) https://floridaspharmacy.gov/ F.S. s 460.4165 FL Board of Dentistry https://floridasdentistry.gov/ F.S. s466.003 FL Board of SpeechLanguage Pathology & Audiology https://floridasspeechaudiology.gov/licen sing/ F.S. s 468.1105 FL Board of Nursing Home Administrator s FL Board of Occupational Therapy Practice https://floridasnursinghomeadmin.gov/ F.S. s 468.1655 https://floridasoccupationaltherapy.gov/li censing/ F.S. s 468.203 Certified Chiropractic Physician’s Assistant Podiatric Physician Certified Podiatric XRay Assistant Naturopathic Physician Pharmacist Nuclear Pharmacist Pharmacy Technician Dentist Dental Hygienist Dental Assistant Speech Language Pathologist or Audiologist Speech-Language Pathology Assistant or Speech Language Audiologist Assistant Nursing Home Administrator Occupational Therapist Occupational Therapist Assistant Agencies or entity approved by Board (FL Board of Medicine.) FL Board of Podiatric Medicine FL Board of Medicine FL Board of Pharmacy F.S. s 461.003 F.S. s 461.0135 F.S. s 462.01 F.S. s 465.003 F.S. s 465.0126 F.S. s 465.014 F.S. s 468.1315 Effective June 1, 2022
Page 12 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Occupational Therapist Aide Certified Respiratory Therapist Registered Respiratory Therapist Respiratory Care Practitioner Licensed Dietician or Nutritionist Registered Dietician or Nutritionist Licensed Nutrition Counselor Dietetic Technician Athletic Trainer Prosthetist Orthotist Prosthetist Orthotist Pedorthist Prosthetist Orthotic Fitter Orthotic Fitter Assistant Electrologist Massage Therapist Clinical Laboratory Personnel to include: Laboratory Director Supervisor Technologist Blood-Gas Analyst Laboratory Testing Technician FL Department of Health; FL Board of Respiratory Care FL Department of Health, Commission on Dietetic Registration https://floridasrespiratorycare.gov/licensi ng/ F.S. s 458.358 ion/dieteticnutrition/index.html F.S. s 468.503 FL Board of Athletic Training FL Board of Orthotists & Prosthetists https://floridasathletictraining.gov/licensin g/ F.S. s 468.701 https://floridasorthotistsprosthetists.gov/li censing/ F.S. s 468.80 FL Department of Health FL Board of Massage Therapy FL Board of Clinical Laboratory Personnel ion/electrolysis/index.html F.S. s 478.42 https://floridasmassagetherapy.gov/licen sing/ F.S. s 480.033 https://floridasclinicallabs.gov/licensing/ F.S. s 483.803 Effective June 1, 2022
Page 13 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Phlebotomist *(employed as a full-time phlebotomist and has successfully completed an accredited phlebotomy course) Licensed Medical Physicist (Radiologic)which works with diagnostic application and safe use of x-rays, ultrasonic radiation or magnetic fields Certified Basic XRay Machine Operator Certified Radiologic Technologist Certified Radiology Assistant Certified General Radiographer Specialty Technologist (Radiologic) Genetic Counselor Optician Certified Optometrist Hearing Aid Specialist Hearing Aid Specialist Trainee Physical Therapist Physical Therapist Assistant Psychologist School Psychologist Clinical Social Worker Marriage & Family Therapist FL Board of Clinical Laboratory Personnel https://floridasclinicallabs.gov/licensing/ F.S. s 483.803 (N/A) FL Department of Health ion/medicalphysicist/licensing/index.html F.S. s 483.901 FL Department of Health ion/radiologictechnology/licensing/index.html F.S. s 468.301 FL Department of Health FL Department of Opticianry FL Board of Optometry FL Board of Hearing Aid Specialists ion/geneticcounseling/index.html https://floridasopticianry.gov/licensing/ap prentice-optician/ F.S. s 483.913 F.S. s 483.914 https://floridasoptometry.gov/licensing/ F.S. s 463.002 https://floridashearingaidspecialists.gov/li censing/ F.S. s 484.041 FL Board of Physical Therapy Practice FL Board of Psychology FL Board of Clinical Social Work, Marriage & Family https://floridasphysicaltherapy.gov/licensi ng/ F.S. s 486.021 https://floridaspsychology.gov/licensing/ F.S. s 490.003 https://floridasmentalhealthprofessions.g ov/licensing/ F.S. s 491.003 *(confirmation of CURRENT employment as a phlebotomist and proof of COMPLETED ACCREDITED PHLEBOTOMY COURSE accepted as validation of occupational eligibility) F.S. s 484.002 Effective June 1, 2022
Page 14 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Mental Health Counselor Child Protective Services’ Enforcement Veterinarian Veterinarian Assistant or Technician *(employed by a permanent or mobile veterinary practice) Therapy & Mental Health Counseling FL Department of Children & Family Services f-training/ FL Board of Veterinary Medicine FL Board of Veterinary Medicine https://www.myfloridalicense.com/intenti ons2.asp?chBoard true&boardid 26&SI D https://www.myfloridalicense.com/intenti ons2.asp?chBoard true&boardid 26&SI D F.S. 402.402 (N/A) (Employees must provide proof of certification or licensing through the Department of Children & Families.) F.S. s 474.202 F.S. s 474.202 *(confirmation of current employment with a permanent or mobile veterinary practice) Active Military Personnel & Veterans (formerly the Salute Our Soldiers Program) Active Military Personnel Veterans Active military personnel are exempt from the First Time Homebuyer Requirement. Must provide a copy of his/her military ID to validate eligibility. Veterans are exempted from the First Time Homebuyer Requirement when they provide a valid DD-214 that reflects discharge status as other than dishonorable. Surviving spouse may participate in a VA first mortgage ONLY when providing a valid Certificate of Eligibility (COE). Effective June 1, 2022
Page 15 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide THE FIRST MORTGAGE PROGRAMS Florida Housing offers government and conventional loan options to eligible participants in the Florida Hometown Heroes Loan Program. The Florida First Heroes (FL First) (GOVT – FHA, VA, USDA-RD) for TBA offers eligible borrowers a 30-year, fixed rate mortgage. Borrowers who qualify for this mortgage program will automatically qualify for down payment assistance. The HFA Preferred Heroes for TBA (CONV – Fannie Mae Offering) offers eligible borrowers a 30-year, fixed-rate mortgage. This first mortgage also offers borrowers a reduced Private Mortgage Insurance (PMI) premium for borrowers below 80% AMI. Standard PMI applies to borrowers above 80% AMI. Borrowers who qualify for this mortgage program will automatically qualify for down payment assistance. The FL HFA Advantage Heroes for TBA (CONV – Freddie Mac Offering) offers eligible borrowers a 30-year, fixed-rate mortgage. Reduced cost PMI is not available with this product. Reduced cost PMI applies to borrowers below 80% AMI. Borrowers who qualify for this mortgage program will automatically qualify for down payment assistance. Effective June 1, 2022
Page 16 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Program Requirements Income Limit Requirements - Borrower(s) must not exceed the maximum Income Limit requirements, adjusted for household size, for the county in which the property is being purchased. Maximum Loan Limits - requires that the contracted purchase price does not exceed the Purchase Price Limits in the county in which the property is being purchased. 2022 INCOME & MAXIMUM LOAN LIMITS FL Hometown Heroes Loan Program County Alachua Baker Bay Bradford Brevard Broward Calhoun Charlotte Citrus Clay Collier Columbia De Soto Dixie Duval Escambia Flagler Franklin Gadsden Gilchrist Glades Gulf Hamilton Hardee Hendry Hernando 2022 Hometown Heroes Income Limits 2022 Hometown Heroes Loan Limits FHA & USDA-RD 2022 Hometown Heroes Loan Limits HFA Preferred, HFA Advantage, and VA 122,850.00 121,800.00 118,950.00 118,950.00 121,800.00 136,050.00 118,950.00 118,950.00 118,950.00 118,950.00 141,450.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 121,800.00 122,850.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 123,150.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 460,000.00 420,680.00 420,680.00 420,680.00 432,400.00 552,000.00 420,680.00 420,680.00 420,680.00 432,400.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 Effective June 1, 2022
Page 17 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide Highlands Hillsborough Holmes Indian River Jackson Jefferson Lafayette Lake Lee Leon Levy Liberty Madison Manatee Marion Martin Miami-Dade Monroe Nassau Okaloosa Okeechobee Orange Osceola Palm Beach Pasco Pinellas Polk Putnam Santa Rosa Sarasota Seminole St. Johns St. Lucie Sumter Suwanee Taylor Union Volusia Wakulla Walton Washington 118,950.00 123,150.00 118,950.00 119,850.00 118,950.00 121,800.00 118,950.00 124,350.00 120,600.00 121,800.00 118,950.00 118,950.00 118,950.00 129,450.00 118,950.00 120,000.00 146,250.00 153,750.00 118,950.00 131,850.00 118,950.00 124,350.00 124,350.00 138,000.00 123,150.00 123,150.00 118,950.00 118,950.00 118,950.00 129,450.00 124,350.00 118,950.00 120,000.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 118,950.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 431,250.00 460,000.00 710,700.00 432,400.00 539,350.00 420,680.00 420,680.00 420,680.00 460,000.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 432,400.00 431,250.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 420,680.00 539,350.00 420,680.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 710,700.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 647,200.00 Effective June 1, 2022
Page 18 Florida Housing Finance Corporation’s FL Hometown Heroes Loan Program Lender Guide FLORIDA HOMETOWN HEROES PROGRAM First Mortgage Program Options Term Sheet (TBA First Mortgage Programs) Florida Housing’s EIN 59-3451366 FL First for TBA (FHA, VA, USDA-RD) HFA Preferred for TBA (Fannie Mae Offering) HFA Advantage for TBA (Freddie Mac Offering) Conventional (Freddie Mac) Offers reduced cost, charter level, mortgage insurance (MI) to borrowers below 80% AMI. 80% and above AMI is NOT eligible for the reduced cost MI benefit. FL First for TBA Government (FHA, USDA, VA) Conventional (Fannie Mae) Features This is FL Housing’s flagship First Time Homebuyer Government Program which offers a 30-year fixed rate. Offers reduced cost, charter level, mortgage insurance (MI) to borrowers below 80% AMI. 80% and above AMI is NOT eligible for the reduced cost MI benefit. Eligible Borrower(s) Licensed or certified full-time frontline workers, first responders correctional officers and military personnel. See page 12 for a complete list of eligible occupations. Loan Type Documentation Required to Support Occupational Eligibility Can be used with an MC
FL Housing's other first mortgage program loan products. They are allowed to charge standard, reasonable and customary origination fees. Lenders will be paid 2.5% SRP on all HTH first mortgage loans at loan purchase by US Bank Home Mortgage. The FL Hometown Heroes offers lower first mortgage rates, TBA first mortgage loans, and a
forwarding to the closing company along with all lender generated first mortgage loan documents. Step 6 Loan closes and lenders submit a Program compliance file to eHousingPlus via eHP Digital Docs for review/approval and a closed first and second mortgage loan file to US Bank for purchase review and approval.
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