Lenders, it’s time to get with the programs:

• My First Texas Home documents
• Texas Mortgage Credit Certificate Program documents

My First Texas Home

The lender approval process for My First Texas Home (TMP) is a shared process between the Texas Department of Housing and Community Affairs and our Master Servicer (US Bank, N.A.). If you are interested in participating in this program as a correspondent lender, begin the process by completing and sending to TDHCA the Request to Participate in the TDHCA Taxable Mortgage Program (TMP) (PDF). The request will be submitted to the Programs Master Servicer (US Bank, N.A.) for review.

Upon satisfactory review by the Master Servicer, the Mortgage Lender will be required to complete and submit to TDHCA the TMP – Program 79 Lender Application Package. The participation package will be forwarded to Lender upon approval with Master Servicer.

After the participation package is received and reviewed by TDHCA, lenders will be issued a Notice of Acceptance as official program approval.

All required documentation must be submitted to:

Texas Department of Housing and Community Affairs (TDHCA)
Attn: Cathy Gutierrez – Texas Homeownership Division
221 E. 11th Street
Austin, Texas 78701
Phone: (512) 475-0277
Email: cathy.gutierrez@tdhca.state.tx.us

We encourage every lender to learn how to assist their borrower with the TDHCA My First Texas Home. Please visit our Lender Training page to learn about training available to our lender partners. Only those lenders that are approved for the program and have participated in training can provide assistance to qualifying borrowers and be listed on the Lenders List.

Texas Mortgage Credit Certificate Program

Lenders who have an interest in participating in the Texas Mortgage Credit Certificate Program should review the documents below. To participate in this program, please submit to TDHCA the MCC Participation Agreement and the $1,000 Participation Fee (if required). The $1,000 Participation Fee is a "one-time" fee and not required for subsequent MCC programs.

• 2010B MCC Program Lender Participation Agreement (PDF)
• 2010B MCC Program Manual (PDF)
• 2010B MCC Program Summary (PDF)
• 2010B MCC Program Procedures Guide (PDF)

TDHCA Texas Mortgage Credit Certificate Program (MCC) Forms

• MCC Applicant Information Guide and Worksheet– Tab 1 and Tab 2 (PDF)
  Provided to Borrower by Lender as take-away information on a MCC.

STEP 1: Lender must submit (via fax, email, or mail) the Request for MCC Commitment Letter Package (must request prior to closing). Please allow up to 5 business days for review/approval.

• Request for MCC Commitment Letter Package – Tab 3 and Tab 4 (PDF)
• Sample Tab 3 - Request for Commitment Letter Form (PDF) (for Lender reference)

STEP 2: Lender must complete the MCC Program Submission Package and include Tab 6-10 in closing package to title company for signature.

• MCC Program Submission Package – Tab 5 through Tab 10 (PDF)

STEP 3: Lender forwards to TDHCA the MCC Program Submission Package (above), along with the $75 Commitment Fee, 1% Issuance Fee and all other required documents (listed in Tab 5).

Once TDHCA reviews/approves the MCC Submission Package, the actual Mortgage Credit Certificate will be issued. The original certificate is sent via mail to the Borrower; copy sent to Lender.

Additional Tabs – Extensions/Cancellations

• MCC Program Commitment Extension Request Form – Tab 11 (PDF)
• MCC Program Commitment Notice of Cancellation – Tab 12 (PDF)
• Refinancing of MCC Loan Application – Tab 13 (PDF)
• Supplemental Instructions for Completing IRS Form W-4 – Tab 14 (PDF)

For additional questions on the Lender participation process, please contact Cathy Gutierrez cathy.gutierrez@tdhca.state.tx.us 512-475-0277.