The Welcome Home Loan makes it easier for you to own your own home. KHAP-Sedgwick and Shawnee County statewide Home Buying Assistance Program provides 4 percent cash for down payment and closing cost assistance. Welcome Home Program. This is only a brief overview of the Welcome Home Program. Complete details, limits, requirements, definitions, and guidelines are contained in. Download Gratis Ebook Dale Carnegie Bahasa Indonesia Adalah there. Governor Baker Announces New Home Mortgage Loan Program for. Operation Welcome Home loans for which the borrower makes less than a 20% downpayment.

Note – for details, see the Administrator’s Guidelines under the GUIDELINES Tab PROGRAM FUNDS • Continuous Funding RESERVATIONS • eHP System available 24/7, 365: • Reservations Locks are open on business days 10:00 am – 8:00 pm EDT LOAN TIME LINE REQUIREMENTS • DO NOT RESERVE EARLY. BORROWERS SHOULD BE QUALIFIED BEOFRE RESERVING. • Reservation to UW Cert: 25 days (cancelled on 26th day) • Reservation to Loan Purchase: 70 days EXTENSION • Any loan not purchased within 70 days is ineligible for purchase unless the lender chooses a one-time only 30-day extension. • To request an extension, click here. Note: Extensions are not granted to extend the 25 days UW Certification requirement.

ELIGIBLE AREAS • Wyoming Statewide ELIGIBILITY CRITERIA • There is no first-time homebuyer requirement in this program. • Borrower(s) & spouses must be able to permanently reside in the US.

(Visas do not qualify) • Principal residence, must occupy the property within 60 days of closing. ELIGIBLE LOAN TYPES • FHA, VA, or Rural Development.

DPA • see the Rates/Offering Tab INCOME LIMIT CRITERIA • 1 Limit per household size based on County. • Household income = 1003 Credit Qualifying Income (not co-signor’s) HOME ACQUISITION LIMITS • None HOME BUYER EDUCATION • Required for ALL Borrowers (Note or Warranty Deed) • The ONLY approved course is offered by MGIC FICO/DTI REQUIREMENT • see guidelines CO-SIGNERS • Co-Signers are permitted LENDER PARTICIPATION • Approval by the Cheyenne Housing Authority and Master Servicer. See Participating Lender Tab FORMS AND DOCUMENTATION • All forms and guidelines are located within the system. Login, and select FORMS. MASTER SERVICER • Provides information and training concerning the mortgage loan file, acceptable loan products, delivery and funding, reviews/purchases the mortgage file • Servicer Lender Guides, • To contact US Bank Lender Help Desk,. Reservation/locks – AVAILABLE from 8:00am-6:00pm Mountain (10-8 EDT excluding weekends & holidays) Options / Offerings Lock Rate FICO DPA Effective GOVERNMENT USDA-RD or VA 5.125% 640 w/3% 2/15 FHA 5.625% 660 w/4% 2/15 FHA 6.125% 660 w/5% 2/2 CONVENTIONAL-FREDDIE MAC HFA Advantage 4.625% 640 n/a 2/8 5.375% w/3% 2/15 5.625% w/4% 2/7 5.75% w/5% 2/9 • All Loans as per above Assistance • 30 Year, Fixed Rate, Amortized • Manual underwriting for FHA loans is NOT ACCEPTED • The System will automatically calculate the DPA based on the final loan amount • Manufactured homes not allowed. EHP Lender Program Training • Required for everyone participating in the program • offered 24/7 • to attend Program training eHP System Training* • After you complete the online Lender Program Training, information is provided as to what happens next.

• Visit our to register Should you have any questions on training, please contact To read more about eHP Program Training, * System Training is required at least once, so that users gain the knowledge necessary to originate and manage their loans on-line. EHP University provides additional opportunities to re-train and/or refresh your system knowledge. Recurring (experienced) system users do not need to attend system training.