Florida Housing Finance Corporation (FHFC) FL TBA Conventional

Special Alert

Maximum Purchase Price


Contact Info:



Retail, Wholesale

Credit Score Requirements

Minimum Credit Score: 640 Manufactured Home (MH) = 660 Manual Underwriting permitted: Minimum FICO = 660 MH not permitted. Reach out to Lakeview for additional information on Fannie Mae and Freddie Mac manual underwrites at underwritingquestions@bayview.com.

Deferred Payments?

Accepted First Mortgage Type:

Freddie Mac HFA Advantage, Fannie Mae HFA Preferred

Homeowners Education Class:

Required for FTHB

Is Forgivable?


66 Counties, 1 City Available statewide in Florida.

Income Limitations:

Yes, based on Qualifying (1003) Income Income limits from Agency-defined 2022 guidelines

Maximum Assistance

Education Requirements Info:

The course must meet standards defined by HUD or the National Industry Standards for Homeownership Education and Counseling. Lender must retain a copy of the certificate of course completion in the loan file. Examples of acceptable courses include: Freddie Mac CreditSmart Homebuyer U Essent Homebuyer Education Radian MI-HomeTrek Arch MI Fannie Mae Framework Any HUD Approved Counseling Course Whatever option is chosen, the course must provide a certificate and be completed prior to closing. All borrowers must complete the training and be listed on the certificate. You must also follow the appropriate agency (FHA, VA, USDA, FNMA, or FHLMC) guidelines as well.

Eligible Property Types:

Single Family DetachedCondo Townhome/PUDManufactured Home Modular Home

Income By Household Size:

HH1-2HH3-8 $117,875$123,000 *Income limits as of 05/03/2023

Qualifying Ratios:

Housing Ratio: — Total DTI: Up To 50% Maximum 50% DTI with AUS A/E. Maximum 45% DTI for manufactured housing. Maximum 43% with manual underwrites.