Lenders
Lenders
The TDHCA Homebuyer Program gives lenders powerful tools to help more borrowers qualify, close faster, and achieve homeownership with confidence. Through low interest mortgage rates, down payment and closing cost assistance, and the TX Mortgage Credit Certificate (MCC) Program, we help you deliver meaningful financial value that improves affordability and strengthens your borrowers’ purchasing power.
We are committed to your success. Our team provides ongoing training, responsive lender support, and program guidance to help you confidently originate more loans and serve more borrowers.
Backed by the Governor and Legislature of the State of Texas, our program is built on stability, dependability, and a mission to expand safe, affordable housing opportunities for Texans. That support allows us to offer flexible solutions and say yes, when other programs cannot.
Quick Links for Lenders
Approved Lenders
Interested Lenders (not yet approved)
To make a reservation, go to: TDHCA Lender Online
- Each Corporate Office will have Administration Rights to issue Lender Portal Credentials to staff, after being approved by both TDHCA and the Master Servicer as a Participating Lender.
- Mandatory Portal and Program Training is required to make online reservations.
- If your company has any questions regarding credentials or training, please contact Hilltop Securities at: TDHCALenderSupport@HilltopSecurities.com
Loan Reservation Updates or Changes
ALL reservation changes need to be communicated via TDHCALenderSupport@HilltopSecurities.com for the fastest response.
- Please include a copy of your existing loan confirmation and include the loan number and address in the subject line to help expedite your request.
- Please allow for up to 48 hours turnaround.
- Lender Hotline: 214−953−4176
Guideline Questions
- Most answers can be found in the searchable Lender Guide published here: TDHCA Lender Guide
Why Lenders Partner With Us
- Highest Lender Compensation in the State
- Low and Affordable Interest Rates
- Continuous Down Payment & Closing Costs Assistance Funding Available Statewide
- Mortgage Credit Certificate (MCC) Tax Savings for Borrowers
- State-backed Program
- Dedicated Lender Training and Support
- Tools Designed to Help YOU Close More Loans!
Lender Resources
Tri Fold Marketing Brochure
My First Texas Marketing Flyer
My Choice Texas Marketing Flyer
My First Texas Program Matrix
My Choice Texas Program Matrix
Targeted Area Property Search
Qualified Targeted Census Tracts by County
Master Servicer Reference Guide
Idaho HFA Resource Guide
Correspondent Lenders
To be accepted into The Texas Homebuyer Program, qualified Lenders must:
be either:
- a Federal Housing Administration (“FHA”) approved;
- an eligible Lender in good standing for Veteran’s Administration (“VA”); or
- an eligible Lender in good standing for Rural Housing Service’s (“RHS”) guaranteed rural housing loan program
- Fannie Mae (FNMA) or Freddie Mac (FMHLC) approved (Conventional loan currently only available under the Texas MCC stand-alone option)
- agree to originate mortgage and assign mortgage and servicing to the Master Servicer (not applicable to Texas MCC stand-alone)
- originate, process, underwrite, close and fund originated loans in your own name (not applicable to Texas MCC stand-alone)
- must be approved/active Seller/Servicer with programs Master Servicer (not applicable to Texas MCC stand-alone)