All information in this presentation, brochure, or term sheet is for informational purposes only. OHFA Homeownership Programs and Products are subject to change. Additional eligibility requirements may be required based on borrower specific criteria.

Please review OHFA term sheets for up-to-date guidelines.

• Thank you for taking this course! Upon successful completion of the course, your certificate will be available in the “Achievements/Trophy” section.

• Please turn up the volume on your speakers as there are videos within the course. You must completely go through each module/video/survey and take the tests to finish the course.

• To continue through each module please click "Next Question" or “Next Module”. If you proceed without finishing a module, the course will stop until you complete the previous module. If needed, click "Exit" go to the previous module to finish it. The buttons to advance the slides will be on the right section of the page.

If you have any questions about OHFA Homeownership Programs and Products please

contact Erin Higgins or Tom Walker. Operations ManagerErin Higgins Ehiggins@ohiohome.org 614-752-7049

Business Development ManagerTom Walker Twwalker@ohiohome.org 614-466-9920

OHFA Point of Contact

Homeownership in America

According to the Census Bureau, the highest point of homeownership was in

2004 at 69.2%.

The rate as of 2018 was 64%

Sales Price of Existing Homes-NationallySource: National Association of Realtors

Year Median Sales Price Average Sales Price2015 $222,400 $266,400 2016 $233,800 $276,000 2017 $247,300 $289,200

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New data to come out 2-1-2019

Housing Forecast Source: National Association of Realtors

Homeownership RateYear 2016 2017Existing Home Sales

5.4 Million 5.5 Million

New Home Sales 567,000 616,000

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2018 Projection5.5 Million Existing Home Sales

700,000 New Home Sales

Ohio Association of Realtors: January, 2018

9

New data to come out 2-1-2019

OHFA’s Homebuyer Programs

• Our funds are always available.

• OHFA homeownership programs can be used anywhere in the State of Ohio.

• Not all lenders (Banks or Mortgage Companies) are OHFA participating lenders. Participating lenders can be found at: www.ohiohome.org

11Three Important Items to Know about OHFA

How do OHFA Homeownership Programs work?

1. Realtor or Lender typically informs homebuyer.2. Homebuyer chooses the loan program that

best fits their needs. 3. Homebuyer goes through normal home buying

process.

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OHFA participates in all of the major loan types:

These products fall underneath the First-Time Homebuyer umbrella.

First-Time Homebuyer

• YourChoice! Down Payment Assistance

• OHFA Advantage• Grants for Grads• Ohio Heroes• RenovateOhio FHA 203(k) • Mortgage Tax Credit

Next Home

Next Home is a loan program for homebuyers who are not first-time buyers

and are looking to purchase their next home.

• YourChoice! Down Payment Assistance

• OHFA Advantage• Ohio Heroes• RenovateOhio FHA 203(k)

Requirements For All Homebuyer Programs• On all homebuyer programs, applicants must meet

OHFA income limits and purchase price limits. (Listed in Lender Online.)

• Credit Score and DTI Requirements

• Must be an owner occupied 1-4 unit property.

• FHA-No manually underwritten loans. This includes loans receiving a “refer” through DU/LP as well as borrowers with no credit scores who get no response from DU/LP.

Requirements For All Homebuyer Programs

• 1 hour homebuyer education class required. This is completed online and over the phone.

• Must occupy property within 60 days of closing.

• Must be borrowers primary residence.

• Up to 2 acres inside municipal corporations and up to 5 acres outside municipal corporations.

Requirements For All Homebuyer Programs

• When calculating borrower income, only the borrower(s) living in the home and obligated on the promissory note will be used. (i.e., A spouse can be excluded from the loan application if both spouses income put them over OHFA income limits. Borrower on loan application will need to qualify for the loan based solely on their income in this situation.)

• Must occupy the property for the first year. (The property can be rented out after the first year. Please note the property must be owner-occupied to receive the Mortgage Tax Credit.)

Requirements For All Homebuyer Programs

Borrower Documentation

• Tax returns for the last three years. (Tax transcripts are also acceptable.)

• At least two paystubs within the last 60 days OR one recent paystub and a written verification of employment.

Borrower Documentation• Divorce paperwork (If applicable).

• Copy of diploma or official transcript for Grants for Grads.

• Please see term-sheets for Heroes documentation.

22First-Time Homebuyer Program

To qualify for OHFA’s First-Time Homebuyer program, you must meet at least one of the following criteria:

1. Someone who has not had an ownership interest in his/her primary residence in the last three years.Example #1Someone who has never bought a home. Example #2Potential homebuyer owned a home 10 years ago but decided to sell the home and rent an apartment. He/she now wants to buy a home again. OHFA would consider them a First-Time Homebuyer.

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2. Anyone buying in a Target Area- A target area is an economically distressed area designated by the U.S. Department of Housing and Urban Development.

3. Honorably Discharged Veteran- Regardless if they currently own a home or have owned a home in the past three years. If current property owned is not sold before closing, it will be counted as rental income.

First-Time Homebuyer Program-Continued

Your Choice! Down Payment Assistance• If a client qualifies for OHFA's First-Time Buyer

program they also qualify for our Down Payment Assistance product.

• OHFA will issue assistance in an amount of exactly 2.5% OR 5% of your home's purchase price. (Rounded down to the nearest dollar.) The assistance can be applied towards the down payment, closing costs, or other prepaid expenses incurred prior to closing. The interest rate will be slightly higher than OHFA’s standard mortgage rates.

Repayment Requirements

• The Down Payment Assistance will be issued as a second mortgage with a 0% interest rate that is forgivable after a seven-year term.

• If the buyer sells or refinances prior to the end of the seventh year, the buyer is responsible for paying the entire amount of the assistance back.

Example: Closing date 1/1/15, forgiven 1/1/22.

26OHFA Advantage (Conventional)Provides additional down payment assistance in an amount of:• $2,500 for homebuyers whose income falls within

50% of the area median income in the county they purchase a home OR;

• $1,500 for homebuyers whose income falls within 80% of the area median income in the county they purchase a home.

• OHFA Advantage can only be used with conventional loans.

• This is in addition to OHFA's 2.5% or 5% Your Choice Down Payment Assistance.

• There is no additional cost when receiving the $1,500 or $2,500 grant. (No rate increase!)

• Limited to one unit properties.

• Non-occupant co-signers are notallowed.

• OHFA Advantage can be used in conjunction with or without YourChoice! 5% Down Payment Assistance.

• The loan must receive an accept (LPA) or be eligible for manual underwriting.

• Additional subsidy must be listed on the CD in section L, lines 1-5 as shown below:

30Ohio HeroesHeroes can receive a rate that isslightly lower than OHFA's standard mortgage rates.

• Full-time employees in the following professions:

• Veteran, active duty military or member of reserve components (includes a surviving spouse)

• Police officer, firefighter, volunteer firefighter, EMT, paramedic

31Ohio Heroes• Healthcare Workers:

Physicians, Nurse Practitioners, Nurses– (RN, LPN, STNA, PCA)

• Pre-K-12 teacher, administrator, counselor

*Please see the term sheets for occupation specific requirements.

322.5% or 5% Grants for Grads• Borrowers must have graduated within the

last 48 months with an associate’s, bachelor’s, master’s or doctoral degree.

• Grants for Grads buyers also receive an interest rate that is slightly lower than OHFA's standard mortgage rates.

33Repayment Requirements• 0% second mortgage that is forgivable after a

five-year pro-rated term.

• If the buyer stays within Ohio for the first 5 years they will not be responsible for paying the grant back. (Only if they move out of Ohio.)

• OHFA will resubordinate the second mortgage if the homeowner refinances.

Grants for Grads Repayment Requirements

Time Resided in Home

Amount of Grant Owed to OHFA

Less than 1 year 100%1 year to 2 years 80%2 years to 3 years 60%3 years to 4 years 40%4 years to 5 years 20%5 years or more 0%

(Only if they move out of Ohio)

Mortgage Tax Credit Program

• The program allows homebuyers to take a direct tax credit for a portion of their mortgage interest for the life of the mortgage.

• The mortgage tax credit is intended to help homebuyers afford homeownership.

• $2,000 maximum credit per year for the life of the mortgage. (No limit on 20% credit rate.)

• The tax credit is applied towards federal income taxes owed. (Can’t be used as a refund.)

• The mortgage tax credit is in addition to the IRS home mortgage interest deduction!

• All eligibility and program criteria will be covered in the Mortgage Tax Credit training.

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Mortgage Tax Credit Example

$5,000 $1,000

Annual Interest x % = Yearly Credit

20%-Non-Target

25%-Target

30%-REO

40%-OHFA

$1,250

$1,500

$2,000

39MTC Example• Realtor Johnny B. Selling made $63,000 in

real estate 1099 income. He owes approximately $7,300 in taxes.

• His mortgage tax credit is $2,000 (40% on $5,000 mortgage interest).

• Total taxes now due are $5,300

• If he claimed this credit for the first 10 years on his mortgage, that could be a savings of $20,000 in federal income taxes!

40Program ReviewMTC Basic (Can be used with any loan including non-OHFA loans. The lender still needs to be an OHFA-approved lender.)

Non-target areas = 20%Target areas = 25%REO’s = 30%MTC Plus* (Can combine with multiple programs and products and receive maximum 40% tax benefit under the MTC program.)

OHFA Loans = 40%*There could be an interest rate increase for the mortgage

tax credit plus program.

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Mortgage Tax Credit Program-Continued

• There is a one-time $500 fee at closing.

• Maximum down payment assistance is 2.5% when used in conjunction with the mortgage tax credit.

RenovateOhioFHA 203(k)-Repair Loan

• The total mortgage amount is based on the projected value of the property after all of the repairs and updates have been completed, including the labor costs.

Mortgage Loan + Repairs = One mortgage

43OHFA offers the:• Limited 203(k)- $35,000 limit (non-structural

repairs). No minimum repair cost.

• Standard 203(k)-No limit. Offers more extensive repairs. $5,000 minimum repair cost. Use of a HUD consultant required.

• Maximum of three contractors allowed.

44Renovation DrawsLimited 203(k)- two draws. • First Draw - 50% of the estimated materials

and labor costs will be disbursed approximately two weeks after closing.

• Final Draw – The remaining 50% of the materials and labor costs will be released after the work has been completed, inspected and permit requirements have been met.

45Renovation DrawsStandard 203(k)- Up to 5 draws, after work has been completed, inspected and permit requirements have been met.• No funds are released to the contractor at

close. The contractor must be able to fund the material and labor costs necessary to begin the project.

• Standard 203(k) draws require a 10% holdback.

46• Can be used by first-time and next home buyers.

• 2 months PITIA reserves are required and 3 months are required on 3-4 unit properties.

• Up to 47% DTI. (31/43 with payment shock greater than 100%.)

• No manual underwriting allowed.

• Minimum credit score of 640.

• Approval through DU/LP required.

• Can’t be combined with the mortgage tax credit. • Maximum DPA is 2.5% when used in conjunction

with RenovateOhio.

47Next Home

• Next Home is available for Ohio homebuyers who are not first-time homebuyers. All other criteria is the same as the First-Time Buyer program.

• Next Home can be used with or without YourChoice! 2.5% Down Payment Assistance.

Next Home-continued

• If current property owned is not sold before closing, it will be counted as rental income in homebuyers income calculation.

• Please note that the property they are purchasing must be owner-occupied after closing.

Next Home-continued

• All other criteria is the same as the First-Time Buyer program.

Note: Rental income earned by the borrower is calculated towards borrower income as follows:

• 75% of gross rental income if the borrower is purchasing a 2-4 family primary residence OR

• intends to rent out current primary residence after purchase of new primary residence. (Target Area, Honorably Discharged Veterans, or Next Home products only.)

• 75% of net rental income for rental property currently owned by the borrower.

Conventional LoansLenders have the option of using Fannie Mae HFA preferred or Freddie Mac HFA Advantage when using conventional loans. Please see our term sheets on the Lender page to compare advantages of each.

https://www.ohiohome.org/partners/lenders.aspx

How this can help a lender help their homebuyer….

53Stacking the Programs

First-Time Homebuyer Program2.5% Down Payment Assistance

Mortgage Tax Credit Plus

5% Your Choice! Down Payment Assistance

First‐Time Homebuyer Program

OHFA Advantage $1,500 or $2,500

First‐Time Homebuyer Program

OHFA Advantage $1,500 or $2,500

2.5% Your Choice! Down Payment Assistance

First‐Time Homebuyer Program

MTC Mortgage Tax Credit Plus

OHFA Advantage $1,500 or $2,500

5% Down Payment Assistance

First‐Time Homebuyer Program

GRANTS FOR GRADS

OHFA Advantage $1,500 or $2,500

2.5% Down Payment Assistance

First‐Time Homebuyer Program

GRANTS FOR GRADS

MTC

OHFA Advantage $1,500 or $2,500

Mortgage Tax Credit Plus

5% Your Choice! Down Payment Assistance

First‐Time Homebuyer Program‐HEROES

OHFA Advantage $1,500 or $2,500

2.5 %Your Choice! Down Payment Assistance

First‐Time Homebuyer Program‐HEROES

MTC

OHFA Advantage $1,500 or $2,500

Mortgage Tax Credit Plus

First‐Time Homebuyer Program

RENOVATEOHIO‐FHA 203(k)

2.5% Your Choice! Down Payment Assistance

NEXT HOME

2.5% Your Choice! Down Payment Assistance

NEXT HOME

2.5 % YourChoice! Down Payment Assistance

OHFA Advantage $1,500 or $2,500

NEXT HOME‐Heroes

2.5 % YourChoice! Down Payment Assistance

OHFA Advantage $1,500 or $2,500

NEXT HOMERENOVATEOHIO‐FHA 203(k)

2.5% Your Choice! Down Payment Assistance

NEXT HOME

OHFA Advantage $1,500 or $2,500

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Conventional Loan (3% DP Requirement)Purchase Price $100,0005% Down Payment Assistance (DPA) $5,000Subtract the Down Payment and Closing Costs:3% Down Payment -$3,0002% Closing Costs -$2,000_________________________________________________Approximate out-of-pocket funds for down payment and closing costs:

$2,000

• This is based on approximate closing costs of $4,000. Closing costs vary for each lender.

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Conventional Loan (3% DP Requirement)Purchase Price $100,0005% (DPA) and $2,500 OHFA Advantage $7,500Subtract the Down Payment and Closing Costs:3% Down Payment -$3,0002% Closing Costs -$2,000$2,500 OHFA Advantage(towards C.C.) -$2,500_________________________________________________

Approximate out-of-pocket funds for down payment and closing costs:

$0

• This is based on approximate closing costs of $4,000. Closing costs vary for each lender.

69Please note:

• OHFA Advantage can only be used with Conventional loans.

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Buyer is able to choose how to apply the down payment assistance in any combination they would like.

Example:5% towards down payment and $0 towards closing costs. (i.e., Maybe the seller is paying the buyer’s closing costs.)

On VA and USDA loans ($0 down), the down payment assistance could be used towards closing costs.

How to apply the down payment assistance….

Loan Process and Purchase Timelines

• Rate sheet will be posted daily on Lender Online. Lender online is the final source for current rates.

• E-mailed everyday to lender main contact. • Mid-day rate changes are possible.

OHFA Rates (These are not today’s rates.)

• All loans except 203(k) loans are serviced by US Bank. 203 (k) loans are serviced by AmeriFirst Home Mortgage.

• Loans can be reserved/locked by participating lenders 9:45am-8:00pm EST Monday-Friday.

• Commitment packages must be submitted within 25 days of reservation.

• No changes to rate or product will be permitted after reservation without approval from OHFA Mortgage Funding Department.

• Failure to meet the 25-day deadline could result in cancellation of the loan reservation.

• If loan is approved, OHFA will issue a Commitment Letter within 3-5 business days.

Closing• Within 3-5 days of loan closing, the loan

should be submitted to OHFA for purchase approval and delivered to US Bank for purchase. Failure to deliver the loan file to US Bank within 3-5 days may result in the servicer’s inability to purchase your loan within the allotted timeframe.

• Loans must be purchased by US Bank within 70 days of reservation to avoid extension fees.

• OHFA docs don’t need to be signed by the borrower prior to submission. They can be signed at closing.

• OHFA has streamlined its processes within the last several years and is striving to make the loan process as simple as possible for our partners.

Closing

• Please Do Not reserve loans that cannot meet the timetable. This is particularly important with respect to:– New Construction– Foreclosures– Short Sales

• Please wait to reserve funds. Loans not delivered within the timeframe will be subject to extension fees.

Loan Reservation Reminders

• New Reservations-If the reservation period expires and the loan has not closed, no new reservation may be made for the same borrower purchasing the same property, until sixty (60) days after expiration of the prior reservation period or cancellation, whichever is later.

Loan Reservation Reminders(Limitations for the Same Borrower)

• In the event that a participant originates a loan with Down Payment Assistance and can’t be purchased by the servicer, the participant may submit the Down Payment Assistance to OHFA to be purchased in accordance with the procedures defined in the Lender Guide.

• For each occurrence of this event, an administration fee will be charged to participant.

Loan Reservation Reminders(Loans that can’t be purchased)

• Loans not purchased within 70 days will automatically be charged an extension fee of .375% of the original loan amount upon purchase of the loan by US Bank.

• The extension fee will be netted by US Bank or AmeriFirst when the loan is purchased.

Loan Reservation Reminders(Extension Fees)

TRIDIn order to meet RESPA requirements, ourassisted loans are subject to the following:

• GFE to be sent to the borrower within 3 business days of reservation. OHFA will provide the GFE as we are aware some, if not all, lenders will no longer have the ability to generate a GFE.

• The GFE will be uploaded to the lender portal and will be available for the lenders to print.

TRIDIn order to meet RESPA requirements, ourassisted loans are subject to the following:

• HUD-1 settlement statement to be provided to borrower at closing for the second mortgage and may only include the recording fee.

Balancing Lender Responsibility

Lender Responsibility for Loan Pipeline• Lenders are expected to register loans for the

OHFA program once a determination has been made of its likelihood to close.

• Lenders are responsible for keeping their reservation pipeline clean and current at all times.

• Lenders are expected to cancel reservations for loans that will not close, within 24 hours of the change in status.

• Lenders who develop a history of excessive cancellations may be removed from the program.

• Please contact your OHFA rep if changes need to be made to the reservation. Any rate or program changes must be approved by OHFA Mortgage Funding Department.

Lender Responsibility for Loan Pipeline

What Can Change Once a Loan is Reserved?

• Correcting information initially entered incorrectly (i.e. SSN’s, etc.)

• Changing the loan amount.

What Can’t Change Once a Loan is Reserved without Approval?

• Changing a borrowers reserved mortgage rate.

• Canceling and re-reserving a borrower at a lower rate. You must wait the required 60-days from the expiration of the last reservation or cancellation date, whichever is later.

Changing the product you have selected:

– Move from a government loan to a conventional loan (or vice versa).

– Move from an unassisted loan to an assisted loan (or vice versa).

What Can’t Change Once a Loan is Reserved without Approval?

Homebuyer Education Timeline

Homebuyer Education Timeline• The mortgage lender is only required to direct

the borrower to the OHFA homebuyer education website once they have registered the loan. OHFA will coordinate all other steps in the education process!

• Please direct borrowers to: hbe.ohiohome.org

OHFA Program Review

• You must meet at least one of the following criteria:

1. Someone who has not had an ownership interest in his/her primary residence in the last three years.

2. Anyone buying in a Target Area -A target area is an economically distressed area designated by the U.S. Department of Housing and Urban Development.

3. Honorably Discharged Veteran.

Who is considered a first-time homebuyer?

• YourChoice! Down Payment Assistance-Exactly 2.5% or 5% towards the down payment, closing costs, or other prepaid expenses incurred prior to closing. Interest rate will be slightly higher than OHFA's standard mortgage rates.

• OHFA Advantage- $1,500 or $2,500 down payment assistance grant for borrowers with an income below 80% ($1,500) or 50% ($2,500 DPA)

of the area median income.

Heroes- Homebuyers who are considered a “Hero” receive a mortgage interest rate slightly lower than OHFA’s standard mortgage rates.

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• Grants for Grads- Exactly 2.5% or 5% towards the down payment, closing costs, or other prepaid expenses incurred prior to closing. Interest rate is slightly lower than OHFA’s standard mortgage rates.

• Mortgage Tax Credit- Up to a $2,000 tax credit each year for the life of the loan. *No dollar amount limit on 20% tax credit rate.

• RenovateOhio (FHA 203(k))-Limited and Standard.

Mortgage Loan + Repairs = One mortgage

• Next Home-homebuyers who are not first-time buyers can use OHFA loans and receive Down Payment Assistance.

Many programs/products can be combined together when using an OHFA

loan!!!

Additional Resources

Fees Associated with OHFA Financing 1% Origination Fee Payable to Lender

$425 Funding Fee Payable to US Bank

$80 Tax Service Fee Payable to US Bank

$100 Admin. Fee Payable to OHFA

MTC Plus Loans

1% Origination Fee Payable to Lender

$425 Funding Fee Payable to US Bank

$80 Tax Service Fee Payable to US Bank

$100 Admin. Fee Payable to OHFA

$250 Loan Fee* Payable to OHFA

*Lender may charge total of $500 loan fee - $250 to OHFA/$250 to Lender

MTC Basic

$500 Loan Fee Payable to OHFA

203(k) Fees Associated with OHFA Financing 1% Origination Fee Payable to Lender

$395 Administrative Fee Payable to AmeriFirst Home Mortgage

$73 Tax Service Fee Payable to AmeriFirst Home Mortgage

$100 Administrative Fee Payable to OHFA

$13 Flood Fee Payable to AmeriFirst Home Mortgage

$11.95 MERS Payable to AmeriFirst Home Mortgage

Supplemental Origination Fee Payable to AmeriFirst Home Mortgage

• *Mortgage Tax Credit Plus-Lender may charge a total $500 loan fee - $250 to OHFA/$250 to lender. Lender is not required to charge/retain $250 of the $500 loan fee if they prefer not to charge their client this portion of the fee.

• RenovateOhio (FHA 203(k)) can’t be combined with the mortgage tax credit.

• Max DPA on RenovateOhio, Next Home, and Mortgage Tax Credit Plus is 2.5%.

All fees can also be found in Lender Online.

Marketing Materials• Available on Lender Online on the

“Marketing Materials” tab.

• You are able to fill in your contact information on the marketing materials and distribute to prospective clients.

Homeownership StaffName Title Phone E-mail

Jim Durham Director of Homeownership 614‐466‐6886 jdurham@ohiohome.org

Tom Walker Business Development Mgr.  614‐466‐9920 twwalker@ohiohome.org

Erin Higgins Operations Manager 614‐752‐7049 ehiggins@ohiohome.org

Jon Duy Real Estate Relations  Mgr. 614‐387‐5037 jduy@ohiohome.org

LaTanya Adams Administrative Professional 614‐387‐1662 ladams@ohiohome.org

Terri Gibbs Administrative Professional 614‐466‐8142 tgibbs@ohiohome.org

Sarina Rodgers‐Gossett Administrative Professional 614‐728‐4271 SRodgers‐Gossett@ohiohome.org

Diamond Sankey Administrative Professional 614‐466‐0025 DSankey@ohiohome.org

Cleo Evans Coordinator 614‐644‐8343 cevans@ohiohome.org

Denise Thompson Housing Analyst 614‐644‐8460 dthompson@ohiohome.org

Rodney Clarke Housing Analyst 614‐387‐2847 rclarke@ohiohome.org

Althea Brandon Housing Analyst 614‐466‐3097 abrandon@ohiohome.org

Anna Johnson Housing Analyst 614‐644‐7601 ajohnson@ohiohome.org

Cne’ Robinson Housing Analyst 614‐387‐2861 crobinson@ohiohome.org

Vaughn Holsopple Housing Analyst 614‐644‐9687 vholsopple@ohiohome.org

Homeownership StaffName Title Phone E-mail

Vicky Hoffman Housing Analyst 614‐466‐7970 vhoffman@ohiohome.org

Jeff Campbell Housing Analyst  614‐995‐0484 jcampbell@ohiohome.org

Training slides will be posted on the OHFA website:http://www.ohiohome.org/webinar/presentations.aspx

Question Who to CallProgram Compliance or Down Payment Assistance

OHFA Representative

Loan Purchase or Underwriting

US Bank MRBP helpdesk800-562-5165 orhfacommunications@usbank.com

Changes in Loan Reservations

OHFALockDesk@ohiohome.org

203(k) Loans-AmeriFirst Home Mtg.

renovateohio@amerifirst.com

Closers and Post-Closers Please take both trainings listed below:

Lender Online, Closing, and Post-Closing OHFA Training

US Bank Closed Loan Delivery and Funding Training

Link will be in the next section.

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Information for Lenderswww.ohiohome.org

OHFA Homebuyer Programswww.myohiohome.org

OHFA Website Links

http://www.myohiohome.org/

Please direct your clients to this user friendly website. They can find information on OHFA Homebuyer Programs and the home buying process.

Thank you for taking this online course! If you have any questions about OHFA Homeownership Programs and Products please contact Erin Higgins or Tom Walker.

Operations ManagerErin Higgins Ehiggins@ohiohome.org614-752-7049

Business Development ManagerTom Walker Twwalker@ohiohome.org614-466-9920

All information in this presentation, brochure, or term sheet is for informational purposes only. OHFA Homeownership Programs and Products are subject to change. Additional eligibility requirements may be required based on borrower specific criteria.

Please review OHFA term sheets for up-to-date guidelines.

Once the final quiz and survey are completed you will be able to receive your certificate in the “trophy” section. OHFA hopes you have enjoyed this course!