Lender Notices

Past Notices

• 2026

  04.22.26 -- Funding Fee Increase | Effective June 6, 2026

  04.21.26 -- Updated Program Guidelines for AHFA Lenders

  04.16.26 -- Agency‑Specific Waivers and Exceptions Do Not Apply to Loans Delivered to ServiSolutions

  04.14.26 -- Reconciliation for Post-Purchase Errors

  04.08.26 -- Homebuyer Education Requirement

  03.27.26 -- Updated Delivery Requirements for CLT, Community Seconds, and Shared Equity Loans

  03.23.26 -- First Step + Step Up Rate Changes

  03.13.26 -- March Lender Update

  02.25.26 -- February Lender Update

  02.19.26 -- First Step + Step Up Rate Changes

  02.04.26 -- Updated CLT Form - Notification of Income Based Deed Restriction

  01.16.26 -- January Lender Update

  01.15.26 -- Update to ServiSolutions Deed Restricted Property Form

• 2025

  • 12.09.25 -- December Lender Update

  • 11.14.25 -- November Lender Update

  • 11.07.25 -- Clarification on Delivery Guide Updates and Reference to Agency Guidelines

  • 11.05.25 -- Delivery Requirements for Community Seconds, Community Land Trust, and Shared-Equity/Deed-Restricted Loans

  • 10.28.25 -- Full Documentation Required for All Borrower Source of Funds

  • 10.20.25 -- First Step Rate Change

  • 10.16.25 -- October Lender Update

  • 09.22.25 -- MCC Program Announcement

  • 09.15.25 -- September Lender Update

  • 09.09.25 -- Lender Scorecard Changes

  • 09.04.25 -- Updates to Project Eligibility for Terminating or Insolvent Condominium Projects

  • 09.03.25 -- FNMA and FHLMC Interested Party Contribution

  • 08.15.25 -- August Lender Update

  • 08.12.25 -- Business Strategy Webinar

  • 07.18.25 -- Lender Reminders

  • 07.15.25 -- July Lender Update

  • 07.09.25 -- Loan Delivery Guide Updates

  • 07.08.25 -- Step Up Rate Change

  • 06.16.25 -- June Lender Update

  • 06.04.25 -- 4th Annual AHFA Kids' Art Contest

  • 06.03.25 -- Income Limit Increased for Step Up Program

  • 06.02.25 -- New Sales Price and Income Limits

  • 05.16.25 -- First Step + Step Up Rate Changes

  • 05.15.25 -- May Lender Update

  • 04.23.25 -- First Step Anniversary

  • 04.17.25 -- April Lender Update

  • 03.26.25 -- Immediate Implementation of FHA Mortgagee Letter 2025-09 + USDA SFHGLP Guideline Updates

  • 03.20.25 -- Immediate Policy Update: Rescinding Previous Appraisal Guidelines

  • 03.18.25 -- Agency Compliance on Interested Party Transactions

  • 03.14.25 -- March Lender Update

  • 03.13.25 -- Notice of Scheduled Maintenance - Lender Online Portal

  • 03.13.25 -- First Step Rate Changes

  • 03.03.25 -- Appraisal Guideline Update: Compliance with Appraisal Review and Reconsideration of Value (Fannie Mae SEL 2024-03 and Freddie Mac Bulletin 2024-06)

  • 03.03.25 -- Appraisal Guideline Update: Compliance with Appraisal Review and Reconsideration of Value - FHA Requirement

  • 03.03.25 -- Appraisal Guideline Update: Compliance with Fannie Mae and Freddie Mac Market Areas Analysis Update

  • 03.03.25 -- Mandatory Full Appraisal Required for all AHFA Loans

  • 03.03.25 -- Mortgage Fraud Policies and Procedures

  • 03.03.25 -- Step Up Rate Change

  • 02.18.25 -- February Lender Update

  • 01.15.25 -- January Lender Update

  • 01.09.25 -- Rescinding Request for Cancellation Notice on Homeowner's Insurance Policy

  • 01.06.25 -- Step Up Rate Change

• 2024

  • 12.18.24 -- December Lender Update

  • 12.11.24 -- Cancellation Notice on Homeowner's Insurance Policy

  • 11.18.24 -- November Lender Update

  • 11.12.24 -- First Step + Step Up Rate Change

  • 10.22.24 -- System Maintenance Required

  • 10.15.24 -- October Lender Update

  • 10.03.24 -- First Step and Step Up Rate Change

  • 09.17.24 -- September Lender Update

  • 09.12.24 -- Clarification on Tax-Exempt Rider Applicability for First Step

  • 08.27.24 -- Step Up and First Step Rate Changes

  • 08.15.24 -- August Lender Update

  • 08.14.24 -- AIS Grant Letter Update

  • 08.13.24 -- First Step Tax-Exempt Rider Reminder

  • 08.07.24 -- Step Up Rate Change

  • 07.23.24 -- AHFA & MBAA Education Session and Luncheon

  • 07.18.24 -- July Lender Update

  • 07.17.24 -- Common Errors on First Step Compliance Package Submissions

  • 07.17.24 -- Step Up Rate Change

  • 07.16.24 -- Tax Service Fee Increase

  • 06.28.24 -- Updated Checklists for Compliance and Lender Delivery

  • 06.14.24 -- June Lender Update

  • 06.04.24 -- Compliance Process Changes + Updated Turnaround TimesUnlink

  • 06.04.24 -- Freddie Mac Learning - HFA Advantage Training

  • 05.24.24 -- First Step and Step Up Rate Changes, Effective May 24, 2024

  • 05.16.24 -- Step Up Rate Change, Effective May 16, 2024

  • 05.15.24 -- May Lender Update

  • 04.25.24 -- MCC Guideline Changes + Updated MCC Checklists

  • 04.15.24 -- Step Up Rate Change, Effective April 15, 2024

  • 04.15.24 -- April Lender Update

  • 04.10.24 -- News Release: First Step MRB 5.5%/6% Rates Open April 15

  • 03.15.24 -- March Lender Update

  • 03.08.24 -- Step Up Rate Change, Effective March 8, 2024

  • 03.08.24 -- Join AHFA & Radian for a 'MI Strategies to Win' Webinar

  • 02.15.24 -- Step Up Rate Change, Effective February 16, 2024

  • 02.15.24 -- February Lender Update

  • 01.16.24 -- January Lender Update

  • 01.12.24 -- RETRACTION: IRS Form 4506-C

  • 01.12.24 -- Step Up Rate Change, Effective January 12, 2024

• 2023

  • 12.28.23 -- Step Up Income Limit Increased, Effective December 28, 2023

  • 12.15.23 -- December Lender Update

  • 12.14.23 -- Step Up Income Limit Increased, Effective December 14, 2023

  • 12.14.23 -- Step Up Rate Change, Effective December 14, 2023

  • 12.06.23 -- Step Up Rate Change, Effective December 6, 2023

  • 11.29.23 -- Step Up Rate Change, Effective November 29, 2023

  • 11.17.23 -- Step Up Rate Change, Effective November 17, 2023

  • 11.16.23 -- November Lender Update

  • 11.02.23 -- Step Up Rate Change, Effective November 2, 2023

  • 10.19.23 -- REMINDER: IRS Form 4506-C

  • 10.19.23 -- October Lender Update

  • 10.18.23 -- Step Up Rate Change, Effective October 18, 2023

  • 10.03.23 -- Step Up Rate Change, Effective October 3, 2023

  • 09.21.23 -- Step Up Rate Change, Effective September 21, 2023

  • 09.14.23 -- September Lender Update

  • 08.29.23 -- Step Up Rate Change, Effective August 29, 2023

  • 08.21.23 -- Step Up Rate Change, Effective August 21, 2023

  • 08.15.23 -- August Lender Update

  • 08.03.23 -- Step Up Rate Change, Effective August 3, 2023

  • 07.13.23 -- July Lender Update

  • 07.13.23 -- Step Up Rate Change, Effective July 13, 2023

  • 07.06.23 -- Step Up Rate Change, Effective July 6, 2023

  • 06.29.23 -- Step Up Rate Change, Effective June 29, 2023

  • 06.20.23 -- June Lender Update

  • 06.13.23 -- Step Up Rate Change, Effective June 13, 2023

  • 05.26.23 -- Step Up Rate Change, Effective May 26, 2023

  • 05.23.23 -- Step Up Rate Change, Effective May 23, 2023

  • 05.19.23 -- MCC Program Increases Income & Sales Price Limits

  • 05.16.23 -- May Lender Update

  • 05.11.23 -- Step Up Rate Change, Effective May 11, 2023

  • 05.09.23 -- Step Up Rate Change, Effective May 9, 2023

  • 05.03.23 -- Step Up Rate Change, Effective May 3, 2023

  • 04.26.23 -- Concerned About the Impact of New LLPAs? AHFA is Exempt from these Adjustments

  • 04.19.23 -- Step Up Rate Change, Effective April 19, 2023

  • 04.13.23 -- April Lender Update

  • 04.11.23 -- Step Up Rate Change, Effective April 11, 2023

  • 04.05.23 -- Step Up Rate Change, Effective April 5, 2023

  • 04.04.23 -- News Alert: Free Toolkit Available to Help Lenders Navigate HFA Programs

  • 03.23.23 -- Step Up Rate Change, Effective March 23, 2023

  • 03.15.23 -- March Lender Update

  • 03.07.23 -- AHFA Aligns with FHA Reduction of MIP Rates

  • 02.17.23 -- Step Up Rate Change, Effective February 17, 2023

  • 02.15.23 -- Step Up Rate Change, Effective February 15, 2023

  • 02.15.23 -- February Lender Update

  • 02.06.23 -- Step Up Rate Change, Effective February 6, 2023

  • 02.02.23 -- Step Up Rate Change, Effective February 2, 2023

  • 02.01.23 -- Step Up Rate Change, Effective February 1, 2023

  • 01.25.23 -- Step Up Rate Change, Effective January 25, 2023

  • 01.18.23 -- Step Up Rate Change, Effective January 18, 2023

  • 01.17.23 -- January Lender Update

  • 01.12.23 -- Step Up Rate Change, Effective January 12, 2023

• 2022

  • 12.16.22 -- Notice of Upcoming Changes in Fees

  • 12.15.22 -- December Lender Update

  • 12.01.22 -- Step Up Rate Change, Effective December 1, 2022

  • 11.18.22 -- November Lender Update

  • 11.15.22 -- Step Up Rate Change, Effective November 15, 2022

  • 11.04.22 -- Upcoming Webinar on FHLMC HFA Advantage Updates

  • 11.04.22 -- FHLMC HFA Advantage

  • 10.17.22 -- October Lender Update

  • 10.13.22 -- Step Up Rate Change, Effective October 13, 2022

  • 10.04.22 -- Step Up Rate Change, Effective October 4, 2022

  • 09.26.22 -- Step Up Rate Change, Effective September 26, 2022

  • 09.23.22 -- Step Up Rate Change, Effective September 23, 2022

  • 09.20.22 -- September Lender Update

  • 09.20.22 -- Step Up Rate Change, Effective September 20, 2022

  • 09.15.22 -- Step Up Rate Change, Effective September 15, 2022

  • 09.13.22 -- Step Up Rate Change, Effective September 13, 2022

  • 09.06.22 -- Step Up Program Announcements: FHA, VA and Freddie Mac

  • 08.15.22 -- August Lender Update

  • 08.11.22 -- Step Up Rate Change, Effective August 11, 2022

  • 08.02.22 -- Step Up Rate Change, Effective August 2, 2022

  • 07.25.22 -- Step Up Rate Change, Effective July 25, 2022

  • 07.18.22 -- July Lender Update

  • 06.15.22 -- June Lender Update

  • 06.13.22 -- Step Up Rate Change, Effective June 13, 2022

  • 05.25.22 -- Step Up Rate Change, Effective May 25, 2022

  • 05.15.22 -- May Lender Update

  • 05.05.22 -- Step Up Rate Change, Effective May 5, 2022

  • 04.29.22 -- Tax Service Fee Increase

  • 04.27.22 -- MCC Program Increases Income Limits, Effective April 25, 2022

  • 04.15.22 -- April Lender Update

  • 04.06.22 -- Step Up Rate Change, Effective April 6, 2022

  • 03.29.22 -- Step Up Rate Change, Effective March 29, 2022

  • 03.25.22 -- Step Up Rate Change, Effective March 25, 2022

  • 03.16.22 -- Step Up Rate Change, Effective March 16, 2022

  • 03.15.22 -- March Lender Update

  • 03.14.22 -- Step Up Rate Change, Effective March 14, 2022

  • 03.09.22 -- Notice About IRS Form 4506-C

  • 02.15.22 -- February Lender Update

  • 02.10.22 -- Step Up Rate Change, Effective February 10, 2022

  • 02.08.22 -- Step Up Rate Change, Effective February 8, 2022

  • 02.08.22 -- New Payment Address for AL, MS & NC customers

  • 02.04.22 -- Step Up Rate Change, Effective February 4, 2022

  • 01.28.22 -- Step Up Rate Change, Effective January 28, 2022

  • 01.14.22 -- January Lender Update

  • 01.05.22 -- Step Up Rate Change, Effective January 5, 2022

  • 01.04.22 -- Step Up Rate Change, Effective January 4, 2022

• 2021

  • 12.30.21 -- Step Up Rate Change, Effective December 30, 2021

  • 12.15.21 -- December Lender Update

  • 11.23.21 -- Step Up Rate Change, Effective November 23, 2021

  • 11.15.21 -- November Lender Update

  • 11.12.21 -- Step Up Rate Change, Effective November 12, 2021

  • 11.09.21 -- Step Up Rate Change, Effective November 9, 2021

  • 10.19.21 -- Transfer of Servicing Date

  • 10.15.21 -- October Lender Update

  • 10.12.21 -- Step Up Rate Change, Effective October 12, 2021

  • 09.24.21 -- Step Up Rate Change, Effective September 24, 2021

  • 08.03.21 -- Step Up Rate Change, Effective August 3, 2021

  • 07.20.21 -- Step Up Rate Change, Effective July 20, 2021

  • 07.15.21 -- July Lender Update

  • 06.15.21 -- June Lender Update

  • 07.07.21 -- Step Up Rate Change, Effective July 7, 2021

  • 06.11.21 -- Step Up Rate Change, Effective June 11, 2021

  • 05.20.21 -- New Step Up Training on Website

  • 05.15.21 -- May Lender Update

  • 05.12.21 -- Step Up Rate Changes, Effective May 12, 2021

  • 05.03.21 -- Step Up Rate Changes, Effective May 3, 2021

  • 04.23.21 -- Lender Online Portal 

  • 04.15.21 -- April Lender Update

  • 04.13.21 -- Step Up Rate Changes, Effective April 13, 2021

  • 04.12.21 -- MCC Program: Increased Income & Sales Price Limits

  • 04.06.21 -- Step Up Rate Change, Effective April 6, 2021

  • 03.29.21 -- Re-Inspection Required for Alabama Properties Impacted by March 25 & 26, 2021, Storms

  • 03.25.21 -- Step Up Rate Change, Effective March 25, 2021

  • 03.18.21 -- Step Up Rate Changes, Effective March 18, 2021

  • 03.16.21 -- New Lender Delivery Checklist

  • 03.15.21 -- New Step Up Reservation Periods

  • 02.19.21 -- Remove Lender Fee Cap

  • 02.18.21 -- Updates to Policies & Forms

  • 02.16.21 -- Step Up Rate Changes, Effective February 16, 2021

  • 02.04.21 -- VVOE Overlay Requirement Rescinded

  • 02.01.21 -- Step Up Training on 2/9/21

  • 01.28.21 -- AHFA Step Up Freddie Mac over 80%

  • 01.22.21 -- FHA to Permit DACA Status Recipients to Apply for FHA Insured Mortgages

  • 01.15.21 -- January Lender Update

• 2020

  • LN #60-20 -- Step Up Training on 1/14/21

  • LN#59-20 -- December Lender Update

  • LN#58-20 -- Webinars: Updates to Step Up Program

  • LN#57-20 -- Updates to Step Up Program

  • LN#56-20 -- November Lender Update

  • LN#55-20 -- Step Up Training on 11/10/20 for New Lenders

  • LN#54-20 -- October Lender Update

  • LN#53-20 -- MCC Training for New Lenders on 10/6/20

  • LN#52-20 -- FEMA Declaration Re. Hurricane Sally

  • LN#51-20 -- Re-Inspection Required: Hurricane Sally

  • LN#50-20 -- September Lender Update

  • LN#49-20 -- Webinar: Step Up Training for New Lenders on September 22

  • LN#48-20 -- Webinar with Freddie Mac on September 24

  • LN#47-20 -- Overlay for Existing Manufactured Housing Loans

  • LN#46-20 -- August Lender Update

  • LN#45-20 -- Increase in Step Up assistance

  • LN#44-20 -- Webinar on 8/11/20

  • LN#43-20 -- August 5th Webinar: Step Up & MCC Training

  • LN#42-20 -- July Lender Update

  • LN#41-20 -- 2nd Lender Webinar on New Rural Homebuyer Program

  • LN#40-20 -- New HFA Preferred Rural Homebuyer Program

  • LN#39-20 -- Webinar on July 14: NEW Rural Homebuyer Program

  • LN#38-20 -- Update to VVOE Requirements Prior to Purchase

  • LN#37-20 -- June Lender Update

  • LN#36-20 -- Updated Step Up Reservation of Funds/Rate Commitment Form Now Available

  • LN#35-20 -- Step Up Rate Change, Effective June 1, 2020

  • LN#34-20 -- Updates to Loan Delivery & Purchase Guidelines

  • LN#33-20 -- Step Up Rate Change, Effective May 18, 2020

  • LN#32-20 -- May Lender Update

  • LN#31-20 -- EPD & Forbearance

  • LN#30-20 -- Updated Purchase Schedule

  • LN#29-20 -- Loans in Early Forbearance

  • LN#28-20 -- Changes to MCC Program Effective May 1

  • LN#27-10 -- Directions for VVOE Alternative Documentation & Attestations

  • LN#26-20 -- Forbearance Compliance Update

  • LN#25-20 -- Latest Loan Delivery & Purchase Guidelines_4.16.20

  • LN#24-20 -- Re-Inspection Required: AL, AR & MS

  • LN#23-20 -- April Lender Update

  • LN#22-20 -- New Loans in Forbearance

  • LN#21-20 -- Program & Operational Updates

  • LN#20-20 -- Re-Inspection Required_3.31.20

  • LN#19-20 -- Updates to Loan Delivery & Purchase Guidelines_3.30.20

  • LN#18-20 -- Reservation Suspension Lifted

  • LN#17-20 -- Updated Loan Delivery & Purchase Guidelines

  • LN#16-20 -- Suspending New Reservations UPDATED

  • LN#15-20 -- Suspending New Reservations

  • LN#14-20 -- Step Up Rate Change, Effective March 19, 2020

  • LN#13-20 -- March Lender Update

  • LN#12-20 -- Step Up Rate Change, Effective March 11, 2020

  • LN#11-20 -- Step Up Rate Change, Effective March 6, 2020

  • LN#10-20 -- Training March 10 for HFA Advantage Product

  • LN#9-20 -- February Lender Update

  • LN#8-20 -- Changes to Loan Delivery Guide & Lender Checklists

  • LN#7-20 -- Step Up Webinar

  • LN#6-20 -- Loan Delivery Webinar

  • LN#5-20 -- Re-Inspection Required_Feb. 2020

  • LN#4-20 -- Closed Loan Files

  • LN#3-20 -- Step Up Rate Change

  • LN#2-20 -- January Lender Update

  • LN#1-20 -- Re-Inspection Required: Disaster Policy

• 2019

  • LN#46-19 -- Re-Inspection Required: Disaster Policy

  • LN#45-19 -- December Lender Update

  • LN#44-19 -- Flood Insurance Deductible Changes

  • LN#43-19 -- Webinar: HFA Advantage Program Revisions

  • LN#42-19 -- Clarification On Prior Home Possible Advantage Email

  • LN#41-19 -- Third Party Origination Partnership

  • LN #40-19 -- Revisions to Step Up HFA Advantage Income Limits

  • LN #39-19 -- October Lender Update

  • LN #38-19 -- Reminders for Submitting Conditions

  • LN #37-19 -- September Lender Update

  • LN #36-19 -- Step Up rate change, effective September 13

  • LN #35-19 -- Condo Approval

  • LN #34-19 -- August Lender Update

  • LN #33-19 -- Step Up rate change, effective August 2

  • LN #32-19 -- Disaster Areas

  • LN #31-19 -- July Lender Update

  • LN #30-19 -- Step Up rate change, effective July 11

  • LN #29-19 -- Step Up rate change, effective June 21

  • LN # 28-19 -- June Lender Update

  • LN #27-19 -- Training Available for HFA Advantage Product

  • LN #26-19 -- Genworth Presents Home Suite Home program

  • LN#25-19 -- Processor of the Year

  • LN #24-19 -- Uploading Curative Items

  • LN #23-19 -- May Lender Update

  • LN #22-19 -- Step Up Rate Change

  • LN #21-19 -- Update on AHFA's Efforts Regarding HUD's Mortgagee Letter 19-06

  • LN #20-19 -- AHFA Lifts FHA Step Up Reservation Suspension

  • LN #19-19 -- FHA Step Up Reservations Suspended Due to New HUD Requirements

  • LN # 18-19 -- April Lender Update

  • LN #17-19 -- Freddie Mac Reviewing Rural Properties webinar on April 15

  • LN #16-19 -- Poll: When Will You Begin Using Updated URLA?

  • LN #15-19 -- Step Up rate change

  • LN #14-19 -- Alabama Communities Suspended from NFIP

  • LN #13-19 -- New Lender Scorecard Training

  • LN #12-19 -- March Lender Update

  • LN # 11-19 -- Disaster Policy Reminder

  • LN #10-19 -- Step Up Manual Updated to Reflect Recent Program Changes

  • LN #9-19 -- Changes to Step Up Program

  • LN #8-19 -- February Lender Update

  • LN #7-19 -- AHFA Now Using AllRegs

  • LN #6-19 -- Resources Added to Website

  • LN #5-19 -- Training for Home Possible Advantage Product

  • LN #4-19 -- January Lender Update

  • LN #3-19 -- AHFA Announces New Home Possible Advantage Product

  • LN #2-19 -- Government Shutdown Related Business Impacts

  • LN #1-19 -- AHFA Updated Loan Delivery & Purchase Guidelines