Chenoa Fund Rate Advantage Program€¦ ·...

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Chenoa Fund is an affordable housing program provided through CBC Mortgage Agency (CBCMA), an FHA approved, federally chartered government agency. CBCMA specializes in providing down payments for borrowers receiving an FHA 1st mortgage. CBCMA’s mission is to increase affordable and sustainable home- ownership, specifically for creditworthy, low and moderate-income individuals. CBCMA partners with reputable mortgage lenders on a Correspondent basis to provide down payment assistance for qualified home buyers in the form of second mortgages. All assistance is provided in compliance with FHA guidelines. HOW DOES THE BORROWER QUALIFY FOR THE CHENOA FUND RATE ADVANTAGE PROGRAM? In order to qualify for the Chenoa Fund Repayable Second DPA (down payment assistance) program, the borrower must meet program criteria, including the following: • Minimum FICO 640 • Household income is equal or less than 115% of the area median income for the county in which the borrower will live • Debt to income ratio cannot exceed 50% With this program, the borrower will be able to lock their first mortgage at market comparable rate. WHY WAS THE CHENOA FUND RATE ADVANTAGE PROGRAM CREATED? While many people do manage to purchase a home by saving for a down payment over a period of years, increasing home prices and stagnant or low wages can make this quite difficult. By helping responsible home buyers to overcome the challenge of the minimum investment required for a mortgage, CBCMA is helping to create healthy communities by improving the balance between home ownership and other types of housing. This way, new homeowners can start now building equity for their future, rather than waiting for years to save a down payment while home prices become even more unaffordable. * CBCMA Does Not Originate Mortgage Loans. This is not an offer to lend money nor a solicitation of a mortgage application by CBCMA. Chenoa Fund Rate Advantage Program Down Payment Assistance for FHA Loans For more information contact Our Lending Partner: NMLS* #: Branch Location: Loan Officer: NMLS* #: Phone: Email:

Transcript of Chenoa Fund Rate Advantage Program€¦ ·...

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Chenoa Fund is an affordable housing program provided through CBC Mortgage Agency (CBCMA), an FHA approved, federally chartered government agency. CBCMA specializes in providing down payments for borrowers receiving an FHA 1st mortgage.

CBCMA’s mission is to increase affordable and sustainable home-ownership, specifically for creditworthy, low and moderate-income individuals. CBCMA partners with reputable mortgage lenders on a Correspondent basis to provide down payment assistance for qualified home buyers in the form of second mortgages. All assistance is provided in compliance with FHA guidelines.

HOW DOES THE BORROWER QUALIFY FOR THE CHENOA FUND RATE ADVANTAGE PROGRAM?In order to qualify for the Chenoa Fund Repayable Second DPA (down payment assistance) program, the borrower must meet program criteria, including the following:

• Minimum FICO 640

• Household income is equal or less than 115% of the area median income for the county in which the borrower will live

• Debt to income ratio cannot exceed 50%

With this program, the borrower will be able to lock their first mortgage at market comparable rate.

WHY WAS THE CHENOA FUND RATE ADVANTAGE PROGRAM CREATED?While many people do manage to purchase a home by saving for a down payment over a period of years, increasing home prices and stagnant or low wages can make this quite difficult. By helping responsible home buyers to overcome the challenge of the minimum investment required for a mortgage, CBCMA is helping to create healthy communities by improving the balance between home ownership and other types of housing. This way, new homeowners can start now building equity for their future, rather than waiting for years to save a down payment while home prices become even more unaffordable.

*CBCMADoesNotOriginateMortgageLoans.Thisisnotanoffertolendmoney norasolicitationofamortgageapplicationbyCBCMA.

Chenoa Fund Rate Advantage ProgramDown Payment Assistance for FHA Loans

For more information contactOur Lending Partner:NMLS* #:Branch Location:Loan Officer:NMLS* #:Phone:Email:

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Human Factors Requirements for Real-Time Motorist ... · 4 78-8 5 78-9 6 78-10 7 78-11 8 78-12 9 78-13 10 78-14 11 78-15 12 78-16 13 78-17 14 78-18 15 78-19 16 78-20 17 78-21 Title

Human Factors Requirements for Real-Time Motorist ... · 4 78-8 5 78-9 6 78-10 7 78-11 8 78-12 9 78-13 10 78-14 11 78-15 12 78-16 13 78-17 14 78-18 15 78-19 16 78-20 17 78-21 Title