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MHDC Homeownership

MHDC Homeownership
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Next Step Program Mortgage Rates                                         First Place Program Mortgage Rates
Effective Date: 3/31/2020                                                            Effective Date:  3/31/2020
Effective time: 3:00 PM                                                                Effective time:  3:00 PM 
Government Loans:                                                                      Government Loans: 
 
Next Step Govt CAL - 4.375%                                                 First Place Govt CAL – 4.125%
Next Step Govt NON-CAL - 2.875%                                         First Place Govt NON CAL – 3.375%
Next Step Govt OA (Opportunity Area) CAL - 4.25%                 First Place Govt Targeted CAL – 3.50%
Next Step Govt OA (Opportunity Area) NON-CAL - 2.75%          First Place Govt Targeted NON CAL –2.75% 
 
Conventional Loans:                                                               Conventional Loans: 
  
Next Step Conv CAL - 4.50%                                        First Place Conv CAL– 4.375%
Next Step Conv NON-CAL - 3.25%                               First Place Conv NON CAL – 3.625%
Next Step Conv OA CAL - 4.375%                                  First Place Conv Targeted CAL – 3.70%
Next Step Conv OA NON-CAL - 3.125%                            First Place Conv Targeted NON CAL – 2.95%
Next Step Conv CAL Over 80% AMI - 5.375%                 First Place Conv CAL Over 80% AMI - 4.875%
Next Step Conv NON-CAL Over 80% AMI - 3.50%         First Place Conv NON-CAL Over 80% AMI - 4.125%
Next Step Conv OA CAL Over 80% AMI - 5.25%               First Place Conv Target CAL > 80% AMI - 4.20%
Next Step Conv OA NON CAL Over 80% AMI - 3.375%       First Place Conv Targetd NON CAL >80% AMI - 3.45%

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