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.


2023-02 SRP and Origination

2023-01 Increase to Loan Purchase Extension Fees

2022-08 Changes to Second Loan Terms

2022-07 4% Home At Last Advantage DPA Option

2022-06 Changes to DPA Options

2022-05 MCC Tax Credit Rate Changed to 20%

2022-04 Changes to DPA Options

2022-03 Changes to DPA Options

2022-02 Changes to DPA Options

2022-01 Changes to DPA Options

2021-02 New Income Limits – HAL Program

2021-01 MCC Tax Credit Rate Changed to 30% – Fee Waived for USDA Loans

2020-08 Manufactured Housing Updated Guidelines

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 Changes to DPA Options

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 Tax Credit Rate Changed to 20%

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