Florida Housing Finance Corporation Program Highlights
Approved Programs
STANDARD BOND
FHFC Florida Bond | At-A-Glance
| AVAILABLE PROGRAMS | STANDARD BOND |
| Eligible Area | Statewide |
| Program GUIDELINES | Standard Bond Guidelines |
STANDARD TBA
FHFC TBA Program | At-A-Glance
| AVAILBLE PROGRAMS | STANDARD TBA |
| ELIGIBLE AREA | Entire state of FL |
| PROGRAM GUIDELINES | Standard TBA Guidelines |
PLUS TBA
FHFC FL PLUS | At-A-Glance
| AVAILABLE PROGRAMS | PLUS TBA |
| Eligible Area | Entire State of Florida |
| Program Guidelines | PLUS TBA Guidelines |
HOMETOWN HEROES
Funds Exhausted
FHFC Hometown Heroes | At-A-Glance
| AVAILABLE PROGRAMS | HOMETOWN HEROES PROGRAM |
| Eligible Area | Entire state of FL |
| HTH ELIGIBLE BORROWER(S) | Read the Guidelines attached below |
| Rates | See Chart |
| PROGRAM GUIDELINES | HTH Bond Guidelines |
| PROGRAM GUIDELINES | HTH TBA Guidelines |
| HTH TBA vs. Bond Cheat Sheet | HTH TBA vs. Bond Cheat Sheet |
| HTH MASTER TERM SHEET | Master Term Sheet HTH Programs |
| Borrower Certification | HTH Borrower Certification |
| HTH Marketing Flyer | Lender Marketing Flyer 01 |
| HTH Marketing Flyer | Lender Marketing Flyer 02 |
Program Guidance
APPROVED PARTICIPATING LENDERS
BULLETINS
eHP PROCESS ORIGINATION TO PURCHASE
BOND VS. TBA CHEAT SHEET
TARGETED AREA CENSUS TRACTS AND MAPS
TERM SHEETS
FHFC Term Sheets
| 203k Term Sheets | 203k Term Sheet |
| Co-Signor Term Sheet | Co-Signor Term Sheet |
| Manufactured Housing Term Sheet | Manufactured Housing Term Sheet |
| Master Term Sheet for Stand | Master Term Sheet |
| Homebuyer Education | Homebuyer Education |
| 80% AMI Conv. Loan Limits | 80% AMI Limits |
Today’s Rates & Offerings [ Business Days 10am – 7pm ET ] December 20, 2024
Florida | Rates & Offerings
| RESERVATION TIMELINE REQUIREMENTS: ALL FIRST AND SECOND MORTGAGE LOANS MUST ADHERE TO A 60-DAY DELIVERY TIMELINE. 60 DAYS FROM RESERVATION (IN eHPortal) TO LOAN PURCHASE BY LAKEVIEW. MORE INFORMATION CAN BE FOUND IN THE PROGRAM GUIDELINE. Please note – Prior to locking any loans, the lender must have a FULLY EXECUTED Real Estate Contract on hand, otherwise the loan will NOT be purchased. | ||||||
| STANDARD BOND | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA, VA |
640 | FL Assist $10k or FL HLP $10k | 6.750% | |||
|
Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI |
640 | 7.375% | ||||
| Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI | 640 | 7.125% | ||||
| STANDARD TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, VA |
640 | FL Assist $10k or FL HLP $10k | 7.000% | |||
|
Freddie Mac (HFA Advantage) <= 80% AMI |
640 | 7.500% | ||||
|
Freddie Mac (HFA Advantage) OVER 80% AMI |
640 | 7.625% | ||||
| PLUS TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
Freddie Mac (HFA Advantage) <= 80% AMI |
640 | 3% | 7.375% | |||
| 4% | 7.750% | |||||
| 5% | 8.000% | |||||
|
Freddie Mac (HFA Advantage) OVER 80% AMI |
640 | 3% | 7.500% | |||
| 4% | 7.875% | |||||
| 5% | 8.125% | |||||
| HOMETOWN HEROES TBA | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA, VA |
640 | 5% (min $10k, max $35k) | n/a | |||
|
Freddie Mac (HFA Advantage) <= 80% AMI |
n/a | |||||
|
Freddie Mac (HFA Advantage) OVER 80% AMI |
n/a | |||||
| HOMETOWN HEROES BOND | ||||||
| Offering | FICO | DPA | Lock Rate | |||
|
FHA, USDA, VA |
640 | 5% (min $10k, max $35k) | n/a | |||
|
Fannie Mae (HFA Preferred) <= 80% AMI or OVER 80% AMI |
n/a | |||||
|
Freddie Mac (HFA Advantage) <= 80% AMI or OVER 80% AMI |
n/a | |||||
Standard Bond
FHFC Florida Bond | At-A-Glance
| AVAILABLE PROGRAMS | STANDARD BOND |
| Eligible Area | Statewide |
| Program GUIDELINES | Standard Bond Guidelines |
STANDARD TBA
FHFC TBA Program | At-A-Glance
| AVAILBLE PROGRAMS | STANDARD TBA |
| ELIGIBLE AREA | Entire state of FL |
| PROGRAM GUIDELINES | Standard TBA Guidelines |
Plus TBA
FHFC FL PLUS | At-A-Glance
| AVAILABLE PROGRAMS | PLUS TBA |
| Eligible Area | Entire State of Florida |
| Program Guidelines | PLUS TBA Guidelines |
Hometown Heroes
FHFC Hometown Heroes | At-A-Glance
| AVAILABLE PROGRAMS | HOMETOWN HEROES PROGRAM |
| Eligible Area | Entire state of FL |
| HTH ELIGIBLE BORROWER(S) | Read the Guidelines attached below |
| Rates | See Chart |
| PROGRAM GUIDELINES | HTH Bond Guidelines |
| PROGRAM GUIDELINES | HTH TBA Guidelines |
| HTH TBA vs. Bond Cheat Sheet | HTH TBA vs. Bond Cheat Sheet |
| HTH MASTER TERM SHEET | Master Term Sheet HTH Programs |
| Borrower Certification | HTH Borrower Certification |
| HTH Marketing Flyer | Lender Marketing Flyer 01 |
| HTH Marketing Flyer | Lender Marketing Flyer 02 |
Approved Participating Lender
Bulletins
eHP Process Origination to Purchase
Questions
Targeted Area Census Tracts and Maps
Term Sheets
FHFC Term Sheets
| 203k Term Sheets | 203k Term Sheet |
| Co-Signor Term Sheet | Co-Signor Term Sheet |
| Manufactured Housing Term Sheet | Manufactured Housing Term Sheet |
| Master Term Sheet for Stand | Master Term Sheet |
| Homebuyer Education | Homebuyer Education |
| 80% AMI Conv. Loan Limits | 80% AMI Limits |