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HAL Program Updates

For our lender partners, here is where you’ll find a complete list of program updates. If you have any questions about program guidelines please email HAL@NVRural.org.

HAL PROGRAM UPDATES

2022-07 Update to Down Payment Assistance Options

2022-06 Changes to Down Payment Assistance Options

2022-05 Changes to the Mortgage Credit Certificate (MCC) Program

2022-04 New Loans and Assistance Options

2022-03 New Loans and Assistance Options

2022-02 New Loans and Assistance Options

2022-01 New Loans and Assistance Options

2021-02 HAL Program Update- New Income Limits

2021-01 MCC Program Update 30 Percent USDA Fee Waiver

2020-08 Manufactured Housing Update

2020-07 U.S. Bank’s New Mailing Address for HFA Final Documents

2020-06 Updates to Underwriter Certification Requirement and HAL Pals Pet Adoption Program

2020-05 US Bank FHA Loan Overlays_2020-04-03

2020-04 HFA Program Options Update

2020-03 HFA Program Options Update

2020-02 Freddie Mac – Income Limited to 80% AMI

2020-01 DTI Permitted up to 50% on FHA loans, SRP & Origination Fee Updates

2019-08 MCC Returns to 20% Tax Credit Rate

2019-07 MCC Temporarily Increases to 50%

2019-06 MCC Program 75% Utilized

2019-06 MCC Rate Change

2019-05 USDA Rate Cap Eliminated

2019-04 Fannie Mae HFA Preferred Update (Amended)

2019-03 Freddie Mac 5% is back

2019-02 Refinance Clarification

2019-01 Manufactured Housing FICO, DTI and Manual Underwriting Update

Home At Last™
  • Rates & Requirements
  • HAL Lenders & Realtors
  • HAL Map Eligibility Tool
  • Program Fees
  • Down Payment Assistance
    • Lender Toolkit - DPA
    • REALTOR® Toolkit - DPA
  • Mortgage Credit Certificate (MCC) Savings
    • Income & Purchase Price Limits
    • Reissuance Application
    • Recapture Tax
    • Lender Toolkit - MCC
  • FAQs
  • New Home Communities
  • Home At Last™ University
    • Homebuyer Education
    • Lender Program Training
    • Realtor Program Training
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  • Contact Us
NRHA Resources
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