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Mortgage Programs & Selling Guide
New Hampshire Housing offers a variety of mortgage products for low- to moderate-income households. Features include cash assistance for downpayment and closing costs, low PMI products, purchase/rehabilitation loans, and mortgage credit certificates (Homebuyer Tax Credit Program/MCC) that can save buyers up to $2,000 on their taxes.
Special Lender Notices Concerning Our COVID-19 Response. During the COVID-19 pandemic, New Hampshire Housing may issue temporary Lender Notices that provide underwriting and policy guidance as it relates to our programs. They are located on the Lender Notices and Updates page.
PROGRAM FACT SHEETS, UPDATES & POLICIES
Flex Refi
Flex Streamline Refi
UPDATES & POLICIES
July 6, 2022 – Lender Notice – 3% CA is Back!
July 9, 2020 – Trailing Documents Policy
February 18, 2020 – Home Flex Rehabilitation Changes
September 30, 2019 – RD Max Rate Removal / USDA Final Rule Notice – Single Close Construction, Elimination of Interest Rate Cap
July 12, 2019 – New Documents Required for All Cash Assistance Loans
July 3, 2019 – Follow Up to FHA Mortgagee Letter 19-06
July 3, 2019 – Private Flood Insurance Policies Mandatory Language
June 14, 2019 – HB 740 Update – Cash Assistance Mortgage and the Banking Department
May 17, 2019 – Home Flex Plus Rate Notice: 4.990%
April 25, 2019 – FHA Mortgagee Letter 2019-06 Postponed for 90 Days
April 22, 2019 – Update: FHA Mortgagee Letter 19-06 on Cash Assistance
April 19, 2019 – FHA Mortgagee Letter 19-06
November 15, 2018 – Banking Department Update and Cash Assistance Mortgage Information
July 26, 2018 – Lender Notice on Home Flex Plus
June 15, 2018 – Updated Cash Assistance Policy
June 15, 2018 – Cash Assistance Program Changes effective 7/16/18 – Lender Notice, Program Policy and Exhibits/Forms
April 10, 2018 – Future Change in Home Flex
Preferred
Preferred Plus (2%, 3%, 4% CA)
Preferred BPMI
Preferred Over 80 AMI
Preferred Plus Over 80 AMI (2%, 3%, 4% CA)
Preferred ROC Benefits & Locations
Preferred ROC
Preferred ROC Plus (2%,3%, 4% CA)
UPDATES & POLICIES
July 6, 2022 –Lender Notice – 3% CA is Back!
July 5, 2022 –Lender Notice – Fannie Mae 2022 AMI Limits
April 27, 2022 – Home Preferred Plus 2% Program
February 16, 2022 – Home Preferred Borrower Paid MI
February 15, 2022 – Fannie Mae Interest Rates
October 21, 2021 – Fannie Mae FICO Score
May 14, 2021 – Home Preferred MH ROC Forms – Updated
June 15, 2020 – 2020 NH HomeReady Incomes|2020 NH HomeReady Income Comparisons
September 3, 2019 – Home Preferred Program Changes
August 1, 2019 – Fannie Mae Changes Coming in September
July 3, 2019 – Follow Up to FHA Mortgagee Letter 19-06
July 3, 2019 – Private Flood Insurance Policies Mandatory Language
July 25, 2019 – New Hampshire Housing’s Home Preferred: Better for Your HomeReady Borrowers
July 22, 2019 – New Hampshire Housing is Ready for Your Conventional Borrowers!
January 25, 2019 – Home Preferred Program Changes
December 20, 2018 – Home Preferred Cash with Assistance and New Home Preferred Income Limits
June 15, 2018 – Updated Cash Assistance Policy
February 16,2018 – Thank you to our partners
January 12, 2018 – Home Preferred Program Update
Homebuyer Tax Credit/ Mortgage Credit Certificate (MCC)
- 2022 Homebuyer Tax Credit Income and Purchase Limits
- 2022 Program Income Limits
- Homebuyer Tax Credit Income and Purchase Price Limits for reservations made on or after May 3, 2021
UPDATES & POLICIES
May 31, 2022 – Homebuyer Tax Credit (Mortgage Credit Certificate or MCC) Income and Purchase Limit Changes
May 31, 2022 – Program Income Limit Changes
December 15, 2021 – Homebuyer Tax Credit (Mortgage Credit Certificate or MCC) Revised Income Standard Change
May 18, 2021 – MCC Tax Return Requirement
April 28, 2021 – Income & Purchase Price Limit Changes
June 4, 2020 – Home Start Homebuyer Tax Credit (MCC)
February 20, 2020 – Important News! Free MCC! Limited Time Offer
October 1, 2019 – Mortgage Credit Certificate News
February 27, 2019 – Save Your Borrowers Thousands
September 12, 2018 – Pre-Approval Policy and Procedures
August 10, 2018 – Lender Notice: VirPack Document Delivery Portal Update and Instruction Guide.
May 31, 2018 – MCC Income and Purchase Price Change
February 23, 2018 – MCC Update
August 19, 2015 – Homebuyer Tax Credit (HBTC) Variance for Adjustable Rate Mortgages
UPDATES & POLICIES
October 26, 2021 – Voucher Assisted Mortgage Option (VAMO) Program
Home Flex
Home Flex FHA
Home Flex Plus with Cash Assistance
Home Flex RD
Home Flex RD Rehab
Home Flex Limited 203k
Home Preferred
Home Preferred Manufactured Housing ROCs*
Home Preferred Manufactured Housing ROCs with Cash Assistance Second Mortgage
Home Preferred Plus with Cash Assistance
Home Preferred – Over 80% AMI
Home Preferred Manufactured Housing ROCs – Over 80% AMI
Home Preferred Manufactured Housing ROCs with Cash Assistance Second Mortgage – Over 80% AMI
Home Preferred Plus with Cash Assistance – Over 80% AMI
UPDATES & POLICIES
February 23, 2022 – Cash Assistance Mortgage Program Disclosure
June 26, 2021 – Fee Change
April 12, 2021 – Staffing Changes
March 31, 2021 – New Reports Requirement
March 8, 2021 – New URLA File Format
November 17, 2020 – Underwriting Timelines
September 30, 2020 – Appraisal Fee Increase
May 9, 2019 – Upcoming Lender Online Portal Training
May 8, 2019 – HOPE 3 Income Limits Update