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• CHFA Advantage^sm
• CHFA SmartStep^sm and CHFA SmartStep Plus
• CHFA HomeOpener^sm and CHFA HomeOpener Plus
• CHFA HomeAccess
• CHFA FHA Streamline Refinance
• CHFA SectionEight Homeownership^sm Program
• CHFA Statewide Mortgage Credit Certificate^sm (CHFA MCC)
• Reissued Mortgage Credit Certificate
• City of Boulder and CHFA Covenants Agreement
• CHFA General Counsel Letter Regarding Section 115

CHFA Advantage^sm Purchase and Refinance Program

The CHFA Advantage statewide purchase mortgage loan program is available to homebuyers. This program offers affordable interest rates, a 30-year term, and no mortgage insurance requirement. Eligible borrowers must have a mid credit score of 680 or higher. The CHFA Second Mortgage Loan may not be used with the CHFA Advantage loan. Borrowers must meet income and purchase price limits, as well as complete a CHFA-approved homebuyer education class. CHFA Advantage purchase loans are not subject to the Federal Recapture Tax provision and may be used in conjunction with the CHFA MCC program.

The CHFA Advantage refinance mortgage loan program has the same requirements as the purchase loan program, excepting the homebuyer education requirement, but cannot be used in conjunction with the CHFA MCC program.

Learn more about the program then get ready to originate, reserve, or process the CHFA Advantage by taking our webinars.

Participating Lenders must execute a Program Participation Agreement, submit their most recent financials (if not submitted previously), and lender staff must attend training prior to originating or making reservations in this program.

CHFA Advantage Program Matrix

Income and Purchase Price Limits

CHFA Form 205 Modification of Promissory Note and Deed of Trust

CHFA Form 230M Non-MERS Assignment

CHFA Form 701 Income Computation Worksheet

CHFA Form 704 Change or Cancellation of Reservation

CHFA Form 707 Reservation Worksheet

CHFA Form 719 Veteran Waiver Affidavit

CHFA Form 725 Compliance Review Submission Voucher and File Order

CHFA Form 726 Purchase Review Submission Voucher and File Order

CHFA Form 738 Post Closing Submission Voucher

CHFA Advantage forms are available in HomeConnection on an individual loan basis. Access a specific loan to see the applicable forms.

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CHFA SmartStep^sm and CHFA SmartStep^sm Plus

CHFA SmartStep and SmartStep Plus Program Matrix

Income Limits

CHFA Form 110 Buydown Agreement

CHFA Form 205 Modification of Promissory Note and Deed of Trust

CHFA Form 230M Non-MERS Assignment

CHFA Form 306 Second Mortgage Note (Interest Bearing)

CHFA Form 311 Second Mortgage Deed of Trust (Interest Bearing)

CHFA Form 331A Second Mortgage (Interest Bearing) Initial Truth-in-Lending Disclosure Statement

CHFA Form 331B Second Mortgage (Interest Bearing) Final Truth-in-Lending Disclosure Statement

Second Mortgage Loans - Document Instructions Interest Bearing Second

CHFA Form 332A Good Faith Estimate (Interest Bearing)

CHFA Form 332B HUD-1A Second Mortgage (Interest Bearing)

CHFA Form 701 Income Computation Worksheet

CHFA Form 704 Change or Cancellation of Reservation

CHFA Form 707 Reservation Worksheet

CHFA Form 719 Veteran Waiver Affidavit

CHFA Form 738 Post Closing Submission Voucher

CHFA Form 739 Second Mortgage First Payment Letter

CHFA Form 740 Risk Information Score Card and Instructions

CHFA Form 740 Risk Information Score Card

CHFA Form 746 Compliance Submission Voucher

CHFA Form 746-2nd Second Mortgage Programs Compliance Submission Voucher and File Order

CHFA Form 747 Purchase Submission Voucher

CHFA Form 747-2nd Second Mortgage Programs Purchase Review Submission Voucher and File Order

CHFA SmartStep and CHFA SmartStep Plus forms are available in CHFA HomeConnection on an individual loan basis. Access a specific loan to see the applicable forms.

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CHFA HomeOpener and HomeOpener Plus Program Matrix

Income Limits

CHFA Form 110 Buydown Agreement

CHFA Form 205 Modification of Promissory Note and Deed of Trust

CHFA Form 230M Non-MERS Assignment

CHFA Form 306 Second Mortgage Note (Interest Bearing)

CHFA Form 311 Second Mortgage Deed of Trust (Interest Bearing)

CHFA Form 331A Second Mortgage (Interest Bearing) Initial Truth-in-Lending Disclosure Statement

CHFA Form 331B Second Mortgage (Interest Bearing) Final Truth-in-Lending Disclosure Statement

Second Mortgage Loans - Document Instructions Interest Bearing Second

CHFA Form 332A Good Faith Estimate (Interest Bearing)

CHFA Form 332B HUD-1A Second Mortgage (Interest Bearing)

CHFA Form 701 Income Computation Worksheet

CHFA Form 704 Change or Cancellation of Reservation

CHFA Form 707 Reservation Worksheet

CHFA Form 738 Post Closing Submission Voucher

CHFA Form 739 Second Mortgage First Payment Letter

CHFA Form 740 Risk Information Score Card and Instructions

CHFA Form 740 Risk Information Score Card

CHFA Form 746 Compliance Submission Voucher

CHFA Form 746-2nd Second Mortgage Programs Compliance Submission Voucher and File Order

CHFA Form 747 Purchase Submission Voucher

CHFA Form 747-2nd Second Mortgage Programs Purchase Review Submission Voucher and File Order

First Time Homebuyers who are disabled or the parent(s) of disabled children may be eligible for CHFA HomeAccess. A First Time Homebuyer is defined by CHFA as one who has not had an ownership interest in a primary residence for the three years prior to the mortgage loan closing. First mortgage and Second mortgage loans originated in this program may be subject to the recapture tax provision. This program has income and purchase price limits. This program has very limited funding. Please contact CHFA Home Finance at 888.320.3688 for current funds availability.

HomeAccess Program Matrix

Income and Purchase Price Limits

CHFA Form 220 Tax Exempt Financing Rider

CHFA Form 230M Non-MERS Assignment

CHFA Form 301A HomeAccess Second Mortgage Initial Truth-in-Lending Disclosure Statement

CHFA Form 301B HomeAccess Second Mortgage Final Truth in Lending

Second Mortgage Loans - Document Instructions HomeAccess

CHFA Form 302HA Good Faith Estimate (CHFA HomeAccess)

CHFA Form 302HB HUD-1A Second Mortgage (CHFA HomeAccess)

CHFA Form 305H HomeAccess Second Mortgage Note

CHFA Form 310H HomeAccess Second Mortgage Deed of Trust

CHFA Form 401 Initial Applicant Affidavit

CHFA Form 402 Final Applicant Affidavit

CHFA Form 404 Seller Affidavit

CHFA Form 700H Credit Review Submission Voucher and File Order

CHFA Form 700H-2nd Second Mortgage Programs Credit Review Submission Voucher and File Order

CHFA Form 701 Income Computation Worksheet

CHFA Form 702A Pre-Funding Submission Voucher

CHFA Form 702A-2nd Second Mortgage Programs Pre-Funding Submission Voucher and File Order

CHFA Form 702B Post-Funding Submission Voucher

CHFA Form 702B-2nd Second Mortgage Programs Post-Funding Submission Voucher and File Order

CHFA Form 704 Change or Cancellation of Reservation

CHFA Form 707 Reservation Worksheet

CHFA Form 709 HomeAccess/CHFA SectionEight Homeownership First Pay Letter

Automatic Payment Program (APP)

CHFA Form 716H Authorization for Release of Information

CHFA Form 717H Contact Information

CHFA Form 719 Veteran Waiver Affidavit

CHFA Form 738 Post Closing Submission Voucher

CHFA Form 740 Risk Information Score Card and Instructions

CHFA Form 740 Risk Information Score Card

CHFA FHA Streamline Refinance Program Matrix

CHFA Form 205 Modification of Promissory Note and Deed of Trust

CHFA Form 230M Non-MERS Assignment

CHFA Form 701 Income Computation Worksheet

CHFA Form 704 Change or Cancellation of Reservation

CHFA Form 707 Reservation Worksheet

CHFA Form 722 Compliance Submission Voucher and File Order

CHFA Form 723 Purchase Submission Voucher and File Order

CHFA Form 738 Post Closing Submission Voucher

CHFA Payment History Request Form

CHFA Payoff Request Form

Homebuyers who receive Housing Assistance Payments (HAP) from Public Housing Authorities (PHA) are approved by the PHA to participate in their homeownership programs may be eligible for CHFA SectionEight Homeownership Program. There are purchase price limits and income limits. Mortgage Loans originated in this Program are not subject to Recapture Tax provisions. The CHFA SectionEight Plus Second Mortgage Loan may be used for down payment and/or closing costs.

CHFA SectionEight and SectionEight Plus Homeownership Programs Matrix

Income and Purchase Price Limits

Section 8 Administrative Agencies

CHFA Form 230M Non-MERS Assignment

CHFA Form 306 Second Mortgage (Interest Bearing) Promissory Note

CHFA Form 311 Second Mortgage (Interest Bearing) Deed of Trust

CHFA Form 331A Second Mortgage (Interest Bearing) Initial Truth-In-Lending Disclosure

CHFA Form 331B Second Mortgage (Interest Bearing) Final Truth-In-Lending Disclosure

Second Mortgage Loans - Document Instructions Interest Bearing Second

CHFA Form 332A Good Faith Estimate (Interest Bearing)

CHFA Form 332B HUD-1A Second Mortgage (Interest Bearing)

CHFA Form 700S Credit Review Submission Voucher

CHFA Form 700S-2nd Second Mortgage Program Credit Review Submission Voucher and File Order

CHFA Form 701 Income Computation Worksheet

CHFA Form 702A Pre-Funding Submission Voucher

CHFA Form 702A-2nd Second Mortgage Programs Pre-Funding Submission Voucher and File Order

CHFA Form 702B Post-Funding Submission Voucher

CHFA Form 702B-2nd Second Mortgage Programs Post-Funding Submission Voucher and File Order

CHFA Form 704 Change or Cancellation of Reservation

CHFA Form 707 Reservation Worksheet

CHFA Form 709 HomeAccess/CHFA SectionEight Homeownership First Pay Letter

Automatic Payment Program (APP)

CHFA Form 716H Authorization for Release of Information

CHFA Form 717H Contact Information

CHFA Form 738 Post Closing Submission Voucher

CHFA Form 739 Second Mortgage First Pay Letter

CHFA Form 740 Risk Information Score Card and Instructions

CHFA Form 740 Risk Information Score Card

The CHFA Statewide Mortgage Credit Certificate (CHFA MCC) program allows first time homebuyers and certain qualified homeowners refinancing a mortgage to claim a percentage of their mortgage interest each year as a federal tax credit on their Federal Income Tax Returns. The first time homebuyer requirement is waived if the property is located in a targeted area. MCCs can be used with either the CHFA SmartStep/SmartStep Plus or the CHFA Advantage home purchase mortgage loan programs. CHFA offers MCCs statewide. To learn more about the MCC program, click here.

CHFA MCC Program Matrix

Income and Purchase Price Limits

MCC-2: CHFA Statewide Purchase Initial Applicant and Lender Affidavit

MCC-3: Income Tax Affidavit

MCC-6: Seller Affidavit

MCC-7: Final Applicant and Lender Affidavit

MCC-9A: Eligibility Review Submission Voucher and File Order (without CHFA 1st)

MCC-9B: Final Certificate Submission Voucher and File Order (without CHFA 1st)

MCC-11: MCC Fee Refund Form

MCC-12: Gross Household Income Computation Worksheet

MCC-14: Notice Of Recapture Tax To Mortgage Loan Applicants

MCC-17: Change Or Cancellation Of Reservation

MCC-18: Lender Information

MCC-20A: Eligibility Review Submission Voucher and File Order

MCC-20B: Final Certificate Submission Voucher And File Order

CHFA Form 719, Veteran Waiver Affidavit

Designed to reissue Mortgage Credit Certificates (MCCs) to current MCC holders who refinance their original mortgage loan, this program allows holders to maintain their federal tax credit, as long as they reside in the home as their principal residence.

Directive

MCC-19

Agreement Regarding Affordable Housing Covenants (between CHFA and the City of Boulder)

Acknowledgement of Receipt of a Copy of Agreement

CHFA General Counsel Letter Regarding Section 115