September 30, 2026
Dear Lending Partners,
The House Key Opportunity First Mortgage Program rates are changing.
The new rates below will apply to reservations made on and after October 2, 2026 at 9:00 am PT:
- 6.875% – 1 point origination for FHA, VA and USDA loans.
- 7.00% -1 point origination for Fannie Mae HFA Preferred or Freddie Mac HFA Advantage, for incomes at or below Fannie Mae’s or Freddie Mac’s 80% AMI.
- 7.375% – 1 point origination for Fannie Mae HFA Preferred or Freddie Mac HFA Advantage, for incomes above Fannie Mae’s or Freddie Mac’s 80% AMI.
- 5.00% – Habitat and Community Land Trust(CLT) homes for incomes at or below 65% AMI.
Please note:
- Existing reservations under other Commission programs cannot be cancelled and re-reserved to receive a lower rate or switched to House Key.
- All other terms and conditions for House Key Opportunity still applies.
- This notice only applies to the House Key Opportunity First Mortgage Program. The Home Advantage and Covenant First Mortgage Programs are not affected by this rate change notice.
- Program interest rates are market driven and can change at any time without advance notice. Current program rates are posted on our website.
If you have additional questions, please email Corinna Obar