DC OPEN DOORS LENDER TRAINING
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1 DC OPEN DOORS LENDER TRAINING
2 Welcme t DC Open Drs Prgram Overview Prgram Highlights Lan Prducts Dwn Payment Assistance Prgram Facts Prgram FAQs Prgram Prcess Reservatin Prcess Data Transmissin Pre-clsing Review Reservatin Extensins Direct Funding, Clsing Pst-Clsing Prcess FAQs Cntact Infrmatin Presentatin Summary 2
3 Prgram Highlights DC Open Drs allws participating lenders t ffer affrdable mrtgages and dwn payment assistance t eligible hmebuyers. DC Open Drs has Cntinuus Funding fr its mrtgages AND dwn payment assistance! Interest rates are psted daily at Facebk (DC Open Drs) and Twitter (@DCOpenDrs). U.S. Bank, Natinal Assciatin is the Master Servicer. All participating lenders must: Be apprved by bth U.S. Bank and DCHFA Participate in all mandatry trainings Lenders are encuraged t riginate a minimum f $1 Millin annually. 3
4 Prgram Highlights FHA and Cnventinal Lan Types Open Drs can prvide 1 st trust alne r 1 st trust and DPAL Open t First Time and Repeat Hmebuyers Open t all D.C. Neighbrhds and Wards Maximum Brrwer Incme f $140,640 N Husehld incme test $453,100 Maximum 1 st Trust Lan Amunt N Sales Price Limitatins N Asset Test U.S. Bank Overlays & Investr Guidelines Apply Mre Inclusive Affrdable Hmewnership! 4
5 DC Open Drs Gvernment Lan Prducts Cnventinal FHA FHA Plus HFA Preferred HFA Advantage Cnventinal w/dpal 1 st Mrtgage up t 96.5% LTV Standard FHA Lan Standard MIP, upfrnt and mnthly 1 st Mrtgage up t 96.5% LTV Subrdinate lan f 3.5% f sales price Standard FHA Lan, MIP, etc. 1 st Mrtgage up t 97% LTV Charter minimum, MI Cverage Refinances eligible Hmebuyer educatin required 1 st Mrtgage up t 97% LTV Subrdinate lan f 3.0% f sales price Charter minimum, MI Cverage Hmebuyer educatin required 5
6 DC Open Drs Dwn Payment Assistance Available fr FHA and Cnventinal Lans Must be cupled with DC Open Drs 1 st Trust Amunt is 3.0% r 3.5% f sales price Structured as Subrdinate Lien Can be used in cnjunctin with ther assistance prgrams (HPAP, EAHP, etc.) Frgiven ver 5 years, 20% per year DPAL is 0% & nn-amrtizing (N Payments) Interest rate n 1 st Trust will be slightly higher when using DPAL DPAL is repayable within first 5 years nly upn sale, refinance r transfer f title 6
7 DC Open Drs Prgram Facts Interest Rates Nt Credit Scre Based Rate Offered at Par (N Lender Credit, Pints, etc.) 50% Maximum Debt t Incme Rati n cnventinal lans 45% DTI FHA lans 640 Minimum Credit Scre The maximum lan amunt f $453,100 can nly be exceeded by the UFMIP n an FHA lan 7
8 DC Open Drs Prgram FACTS Charter minimum MI cverage fr cnventinal lans 18% at 97% LTV Seller Cntributins Allwable Fllw FHA/Fannie/Freddie Guidelines Buyers can use their wn funds plus DPAL fr additinal dwn payment r clsing csts DC Open Drs cntinues t ffer 97% LTV n cndminiums Hmebuyer educatin requirement can be cmpleted nline r face-t-face. Prvider must meet standards defined by the Natinal Industry Standards fr Hmewnership Educatin and Cunseling = (fllw FNMA/FHLMC guidelines) N DCHFA Review/Requirement f the Hme Inspectin 8
9 DC Open Drs Prgram FAQs Why use HFA withut DPAL? The MI rates are lwer n DC Open Drs than n standard cnventinal lans (HmeReady/Hme Advantage) 97% LTV 16%@ 95% LTV 90% LTV 6%@ 85%LTV Is there a maximum sales price fr the prgram? N, there is nt a maximum sales price amunt. Hwever, the lan amunt may nt exceed $453,100 plus FHA MIP. What incme must be used t determine qualificatins under the maximum incme requirement? All brrwer incme must be dcumented/verified, regardless f whether r nt being used fr qualifying purpses hwever, NOT based upn husehld Maximum Incme fr all brrwers is $140,640 D yu allw a nn-ccupant c-brrwer? Yes, fllwing Investr/Insurer/Servicer guidelines. Incme is cunted fr eligibility Is there a maximum riginatin charge the lender is permitted t cllect? N, hwever it must be reasnable and custmary 9
10 DC Open Drs Prgram FAQs Can the brrwer buy dwn the interest rate? N, all f ur lans are quted with 0 pints nly (n lender credits, either) If I have mre than ne purchaser, but nly ne is ging t be n the lan, can the ther persn be n the deed? Yes, nn-brrwers are permitted t be n the title. Can the DC Open Drs prgrams be used fr a refinance? Yes, the HFA Preferred is als a refinance prgram up t 97% LTV/CLTV Can my brrwer wn any ther prperty at the time f clsing n a DC Open Drs lan? N, the brrwer may nt have wnership interest in any ther prperty at the time f clsing. What types f nn-resident aliens are allwed under the prgram? We fllw FHA/FNMA/FHLMC/U.S. Bank guidelines 10
11 DC OPEN DOORS PROGRAM PROCESS
12 DC Open Drs Prgram Prcess N separate applicatin fr DC Open Drs the brrwers meet with Lender and start lan applicatin DCHFA will pay the cst t recrd the DPAL Deed f Trust, negating the need fr a Lender Estimate/GFE r Clsing Disclsure/HUD1 The nly allwable fee n DPAL is the cst t recrd the DOT NO TITLE INSURANCE ON DPAL Lender reserves lan with DC Open Drs (via ehusingplus website) at time f rate lck (must have ratified cntract) Reservatin (Rate Lck) starts 70 Day reservatin perid (delivery & purchase) recmmended qute t brrwer is 30 days 12
13 DC Open Drs Prgram Prcess DC Open Drs des pre-clsing review fr all lans DC Open Drs crdinates clsing with Lender Pst-clsing ehusingplus review & U.S. Bank review DC Open Drs always here t answer questins! 13
14 DC Open Drs Reservatin Prcess Reservatin = Official Prgram Rate Lck Date Reservatin date starts 70 Day perid frm lck t U.S. Bank purchase pst-clsing Recmmended qute f 30 days t brrwer t allw sufficient time fr pst-clsing Reserve Lan Using Online Reservatin System (ehusingplus): Input as much brrwer/lan infrmatin int the reservatin system as pssible t reduce Pre-Clsing Review prcessing time Infrmatin must match what is submitted t DCHFA Purchase Cntracts MUST be Fully Ratified Prir t Reserving a Lan with DCHFA 14
15 DC Open Drs Data Transmissin DCHFA uses a secure FTP prtal fr receiving and sending all data, dcuments, etc. FTP prtal supprts PDF, Wrd, Excel, etc.; Lenders are respnsible fr transmitting all dcument submissins via FTP prtal; Dcuments are upladed t DCHFA via secure FTP prtal, with specific file naming: Last Name, First Name Submissin r Dcument Title DCHFA will transmit DPAL clsing dcuments (cmmitment letters, lan dcuments, settlement instructins, etc.) via FTP prtal; DPAL dcs are NOT sent t lender via ehusingplus the FTP is a separate website; Each Lender will be prvided with lgin credentials FTP link: 15
16 DC Open Drs Data Transmissin Lenders must designate a system administratr t manage access t FTP prtal DCHFA will prvide each individual lender with ne set f lg-in credentials fr access. Credentials can be used by multiple parties (prcessrs, underwriters, etc.) 16
17 DC Open Drs Pre-clsing Review DCHFA reviews all lans fr cmpliance and prvides a Clear t Clse Ntice. DCHFA is reviewing fr the fllwing: Lan Applicatin Frm 1003 fr accuracy Maximum Brrwer Incme f $140,640 Prf f Incme (*see checklist) Ratified Purchase Cntract Hmebuyer Educatin (If Applicable) DPAL (If Applicable) DPA Lan Funding Request frm & Wiring Instructins Need 3 business days t prcess DPAL funding *Always reference the Review Checklist t ensure yur package is cmplete. 17
18 DC Open Drs Pre-Clsing Review Files reviewed n first cme, first served basis; We will receive an alert when a lan file has been upladed by a lender. Files will be lgged upn receipt; Files missing dcumentatin will be taken ut f the review queue and placed in pending queue until the files are cmplete; DCHFA cmmits t a timely pre-clsing review time frm receipt f a cmpleted package; File Apprved DC Open Drs Sends Clear t Clse Ntice 18
19 DC Open Drs Reservatin Extensins Lenders must request all reservatin extensins in writing All extensins will trigger Extensin Fees 70 Day Base Rate Lck 30 Day Extensin 0.25% f Lan Amunt Fee 100 Days Ttal 20 Day Extensin 0.50% f Lan Amunt Fee 120 Days Ttal Extensin Fees are netted frm ALL lans delivered after 70 Days Avid Extensin Fees Qute 30 Day Lcks t Brrwers! 19
20 DCHFA prepares DPAL clsing dcuments and uplads t FTP fr lender t access Lender dwnlads DPAL clsing dcuments and sends t settlement cmpany with 1 st trust dcs DCHFA funds the DPAL directly t settlement cmpany DC Open Drs Direct Funding and Clsing DPAL nly DCHFA NEEDS 3 BUSINESS DAYS TO PROCESS FUNDING. PLEASE ENSURE DCHFA HAS SUFFICIENT TIME TO FUND THE DPAL If a first trust lan cntains deficiencies, r fr any ther reasn cannt be purchased by U.S. Bank, the lender is respnsible fr reimbursing DCHFA fr the DPAL DCHFA will send a letter t the lender requesting reimbursement including wiring instructins and timing Failure t reimburse DCHFA fr a DPAL clsed with a first trust lan that is nt purchased by U.S. Bank culd result in lender suspensin. 20
21 DC Open Drs Pst-Clsing Three Parallel Prcesses Start Immediately After Clsing: DC Open Drs & DPAL Cpies f Executed Nte, Clsing Disclsure & DOT fr 1 st Trust Lan Original Brrwer Recertificatin, Nte & Recrded DOT mailed t DCHFA ehusingplus Cmpliance Review Package is sent t ehp in Westn, FL ehp will fllw DCHFA s Pst-Clsing Review File Checklist fr review: Cpy f checklist available n ehusingplus Cpy f the Brrwer Recertificatin Final executed 1003 Cpy f executed Clsing Disclsure Certified true cpy f Executed DOT and Nte fr all financing ehusingplus cmpliance apprval is required befre U.S. Bank will purchase lan U.S. Bank Purchase Review Package is sent t U.S. Bank via dcvelcity Imaging Standard purchase file please refer t US Bank fr cmplete dcument list Please ensure package is cmplete Allw time fr review and purchase reservatin timeline management is critical ehusingplus Apprval & U.S. Bank Apprval Required Lan purchased! 21
22 DC Open Drs Prcess Summary Brrwer starts prcess Lender Reserves Lan Pre-Clsing Review Funding, Clsing Meets with Lender N separate applicatin fr DC Open Drs DCHFA pays the cst t recrd the DPAL DOT, if applicable N ther fees allwed n DPAL Reservatin = Rate Lck Starts 70 Day Reservatin Perid Need fully executed purchase cntract Can be befre r after underwriting apprval Required fr all lans, with r withut DPAL Submitted t DCHFA via FTP Cmplete files reviewed DCHFA funds DPALs directly at clsing DCHFA sends DPAL lan dcs t Lender via FTP 3 business days needed t fund DPAL Lan clses! 22
23 Pst Clsing Pst Clsing Pst Clsing Pst Clsing Extensins Cmpliance Review file mailed t ehusingplus Purchase file upladed t U.S. Bank DPAL riginal dcs sent t DCHFA ehusingplus cmmunicates any deficiencies t Lender. Apprves lan Ntifies U.S. Bank U.S. Bank cmmunicates any deficiencies t Lender. Apprves lan Purchases lan 70 Day Reservatin Perid Must be requested PRIOR t expiratin Must be requested in writing Trigger Extensin Fees 23
24 DC Open Drs Prcess FAQs and Tips Subrdinate financing listed as Surce f Dwn Payment/Clsing Csts n 1003 All lender and DCHFA numbers required t reflect the same amunts All files MUST have the MCC-001 Dcument whether r nt there is an MCC with the lan r nt!!!!!!!!!!!! After an apprval is issued, n changes t DU, 1003, U.S. Bank apprvals, etc. can be made. If s, it must be reviewed again with revisins. LENDERS DO NOT CANCEL DC OPEN DOORS LOANS IN SYSTEM Please us at SingleFamilyPrgrams@dchfa.rg t cancel a lan 24
25 DC Open Drs Prcess FAQs and Tips Lender shuld submit lan files as clse t the lan settlement date as pssible, but nt less than 5 business days befre; Please crdinate with yur Secndary/Lan Ops Department abut lcks (timing and hw-t) N specific MI cmpany is required n DC Open Drs lans Refer t U.S. Bank fr a list f acceptable MI Prviders HFA Preferred (FNMA) lans must be run thrugh DU and cded as HFA Preferred Must receive DU Apprve/Eligible Findings HFA Advantage (FHLMC) lans must be run thrugh LP and cded as HFA. Must receive Accept findings. 25
26 DC Open Drs Cntact Infrmatin Prgram Administratin Lisa Hensley, Single Family Directr Bill Milk, Single Family Deputy Directr Website and Scial Media Website: (All frms, presentatins, etc. are in Fr Participating Lenders Only sectin) (Fllw us!) Facebk: (Like ur page!) 26
27 Additinal Cntacts U.S. Bank U.S. Bank Guidelines: Pst-Clsing Package: Uplad via dcvelcity Imaging Required Original Dcuments: Mail t: U.S. Bank Hme Mrtgage, HFA Divisin Nte Vault 1550 American Blvd. E, Suite 440, Blmingtn, MN Help Desk: (800) r hfa.prgrams@usbank.cm ehusingplus Website: Mailing Address: 3050 Universal Blvd., Suite 190, Westn, FL Phne: (954) Address: Trainer@ehusing.cc 27
28 Cmmn Cnditins Crrect Fees!!!!! n the LE & CD. Prperty address mismatch n Fld Cert, Nte and ther Lan Dcuments. Example: Unit #XXX, #XXX, Unit XXX ALL MUST MATCH!!! Demand Feature nt checked n the Clsing Disclsure. List f Service Prviders nt prvided. Surce f Funds n 1003 must reflect Subrdinate Financing/DC Open Drs (r Secured Brrwed Funds) fr lans with DPA. AU Findings must reflect prgram type (HFA Preferred r HFA Advantage) s that MI requirements are crrect and findings are crrect. NO title insurance/fees ther than cst t recrd! Let yur title cmpany knw up frnt. 1 st Trust Clsing Disclsure must reflect TOTAL DPAL amunt and the cst t recrd needs t be reflected as paid by DCHFA 28
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32 DC Open Drs Prgram Instructins fr after the Live Webinar Prgram Training Step #1 Attend the ehusingplus Lender Prtal System Sftware Training This training is nly required fr anyne wh will reserve funds, print frms, view the prgram pipeline and clear exceptins. System sftware training is cnducted n a weekly basis via Live Webinar. Please click n this link t register : Step #2 After System Sftware Training - Apply fr user credentials. Lan Officers wh will NOT reserve funds in the ehusingplus Lender Prtal but DO need their name t appear in drp dwn t receive credit fr riginating a DCHFA DC Open Drs lan, click n this link: Lan fficers, prcessrs, clsers, shippers and pst clsers wh need access t the lender prtal and d NOT currently have an ehusingplus Lender Prtal username and passwrd, please click this link: Lk fr the Sign-In buttn, directly belw click n the link Register fr User ID. Cmplete the required infrmatin and submit the frm. Lan fficers, prcessrs, clsers, shippers and pst clsers wh need access t the lender prtal and DO currently have an ehusingplus Lender Prtal username and passwrd, please click this link: Use the FlexCde: AEROMANCY (cde will expire in 5 business days) 32
33 DC S MCCS LETS START WITH THE BASICS The Mrtgage Credit Certificate ( MCC ) is NOT a dwn payment assistance prgram r a mrtgage lan The MCC prgram prvides a federal incme tax credit similar t the federal first-time hmebuyer tax credit The DC MCC is a federal incme tax credit that may 1) Reduce the amunt f federal incme tax the brrwer is required t pay 2) Prvide mre available incme t pay the mnthly mrtgage payment The Credit Amunt fr the DC MCC is 20% and there is NO annual cap n the amunt!
34 DC S MCCS WHAT ARE THE BENEFITS? EXAMPLE 1 $280,000 Lan Amunt 4.50% Interest Rate 1 st Year s Interest = $12,507 X 20% Tax Credit = $2,501 Benefit $46, $208 Mnthly Benefit Brrwer is still able t take a deductin fr the remaining 80% f interest paid fr that year. Dn t wait fr tax time t reap the benefits! Adjust dependents n yur W-4 Frm s that yu increase yur net take hme pay! Example is f r illustrative purpses nly. Please cnsult a Tax Advisr. 34
35 DC S MCCS WHAT ARE THE BENEFITS? EXAMPLE 2 $400,000 Lan Amunt 4.50% Interest Rate 1 st Year s Interest = $17,868 X 20% Tax Credit = $3,573 Benefit $65, $297 Mnthly Benefit Brrwer is still able t take a deductin fr the remaining 80% f interest paid fr that year. Dn t wait fr tax time t reap the benefits! Adjust dependents n yur W-4 Frm s that yu increase yur net take hme pay! Example is f r illustrative purpses nly. Please cnsult a Tax Advisr. 35
36 DC S MCCS DC s MCC Lan Optins Optin #1- DC s MCC may be used as a STAND ALONE prduct with a Cnventinal, VA r FHA 30 Year Fixed Rate Mrtgage r an FHA Adjustable Rate Mrtgage May nt be used with bnd lans OR Optin #2- DC s MCC may be cmbined with a DC Open Drs Lan. If this ptin is utilized, the lender must fllw the stricter f the prgram requirements
37 DC S MCCS WHAT ARE THE REQUIREMENTS? Guidelines differ frm the DC Open Drs Lan Prgrams: Brrwers must be first time hmebuyers Must nt have had an wnership interest in a principle residence within the mst recent 3 year perid Exceptin fr residences purchased in a Targeted Area (see chart) Exceptin fr Veteran s utilizing a ne-time exceptin Maximum incme is based upn HOUSEHOLD incme Husehld incme is the incme f all members f the husehld, even if nt taking an wnership interest in the hme (excluding full-time student dependents) Husehld Incme Limits are based upn the husehld size Acquisitin csts (sales price) may nt exceed Prgram Limits Single Family residences, nly (n 2-4 unit prperties) Can be prvided in cnjunctin with a DC Open Drs lan prgram r withut a DC Open Drs lan prgram 37
38 DC S MCCS Csts DCHFA charges $450 as an MCC Issuance Fee when dne in cnjunctin with a DC Open Drs Lan Prgram r VA Lan DCHFA charges $1,500 as an MCC Issuance Fee when the MCC is issued withut a DC Open Drs Lan Prgram The lender is permitted t charge an additinal $450 MCC Prcessing Fee DO NOT FORGET THE EHOUSING PLUS FEE!!!!! ($275 fr a stand alne MCC. $450 fr an MCC with Open Drs)
39 DC S MCCS Nn-targeted Area Family f 2 r less Incme Limit: Nn-targeted Area Family f 3 r mre Targeted Area Family f 2 r less Targeted Area Family f 3 r mre $140,640 $164,080 $140,640 $164,080 Sales Price Limits Single-Family Unit Nn-targeted $625,764 Targeted $764,823 39
40 DC S MCCS WHAT ARE THE TARGETED AREAS? District f Clumbia, Census Tract 34 District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract 64 District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract Target Areas in DC District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract 97 District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract District f Clumbia, Census Tract 104 District f Clumbia, Census Tract
41 HPAP Belw is the HPAP Hmebuyer Assistance Table. Please nte that clsing cst assistance fr all eligible husehlds will be up t $4,000. The per client gap financing assistance will cap at $80,000. The clsing cst assistance is distinct frm, and in additin t, gap financing assistance which is shwn belw. Maximum Husehld Size Assistance Per husehld incme less than r equal t tp in each range: Very lw incme husehlds $80,000 $25,000- $38,000 $25,000- $43,450 $25,000- $48,900 $25,000- $54,300 $25,000- $58,650 $25,000- $63,000 $25,000- $67,350 $25,000- $71,700 Lw incme husehlds $38,001- $64,000 $49,150 $43,451- $56,150 $48,901- $63,150 $54,301- $70,150 $58,651- $74,550 $63,001 - $78,900 $67,351- $83,300 $71,701- $87,700 $56,000 $49,151- $52,200 $56,251 - $59,700 $63,151- $67,150 $70,151- $74,600 $74,551- $79,250 $78,901- $83,900 $83,301- $88,600 $87,701- $93,250 $40,000 $52,201- $60,800 $59,701- $69,500 $67,151- $78,200 $74,601- $86,900 $79,251- $92,300 $83,901- $97,750 $88,601- $103,150 $93,250- $108,600 Mderate incme husehlds $32,000 $60,801- $74,500 $69,501- $85,150 $78,201- $95,800 $86,901- $106,400 $92,301- $113,100 $97,751- $113,100 $103,151- $113,100 $108,601- $113,100 $16,000 $74,501- $83,600 $85,151- $95,550 $95, ,500 $106,401- $119,450 $113,101- $126,900 $113,101- $126,900 $113,101- $126,900 $113,101- $126,900 The amunt f financial assistance prvided t a very lw-, lw- r mderate-incme husehld shall be the cmbined ttal f Gap Financing Assistance and Clsing Csts Assistance. 41
42 Cmmunity Based Organizatins T apply fr assistance r receive mre infrmatin, please cntact ne f the fllwing CBOs: FACILITY NAME ADDRESS PHONE NUMBER Husing Cunseling Services, th Street, NW (202) Inc. Washingtn, DC Latin Ecnmic Develpment 641 S Street, NW (202) Crpratin Washingtn, DC Lydia s Huse, Inc Martin Luther King Jr. (202) Ave., SW Washingtn, DC University Legal Services, Inc Martin Luther King Jr. (202) Ave., SE Washingtn, DC University Legal Services, Inc Benning Rad, NE (202) Washingtn, DC University Legal Services, Inc. 220 I Street, NE # 130 Washingtn, DC (202)
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