Manatee County HFA Bond Program
If you’ve ever dreamed of owning your own home but felt that buying a home was a little beyond your reach, the Manatee County Housing Finance Authority may make your dream easier to achieve with their ownership program. This program offers a 30-year fixed rate mortgage and a second mortgage available for down payment and closing cost assistance.
This program is available in all of Manatee County including the City of Bradenton.
To qualify for a Manatee County HFA Bond Program loan you must meet the program the program requirements listed below.
Any of the following listed below qualify as a first-time buyer:
*A person who has not owned and occupied their principal residence in the last 3 years.
*A person who has never owned their principal residence.
*A qualified military veteran.
*A person purchasing a home in a Targeted Area.
And you must also:
*Be credit worthy, there are minimum credit scores in this program.
*Have a fully executed sales contract for a specific property.
Properties must also be able to qualify in the program. What qualifies - New or existing, single family, detached or attached, condo and manufactured homes.
What homes do not qualify? Mobile, recreational, seasonal or other type of vacation or non-permanent homes are not permitted in the program.
Fees in the program
There are zero origination and discount points in this proram, and lenders may not charge additional points.
There is a $225 Bond Application Fee payable at closing by the buyer or seller.
Income Limits
There are income limits in this program. You must include the income of everyone who will reside in the property who is 18 years of age or older (even if they will not be party to the mortgage).
 |
1-2 persons |
3 or more persons |
Manatee County |
$74,760 |
$87,220 |
Palm Beach County |
$90,480 |
$105,560 |
Purchase Price Limits
Qualified properties in the program have purchase price limits. The limits below are only for 1 unit, non-targeted areas.
Manatee County |
$386,650 |
Palm Beach County |
$452,548 |
Participating Lenders
Listed below are the loan officers who’ve been actively participating in this bond program. This list is updated on a monthly basis.
Institution |
Name |
Phone Number |
|
Bank of America |
Janet Jones |
941-697-7597 |
|
Bank of America |
Liz Kramer |
941-708-3137 x. 226 |
|
Bank of America |
Matt McCain |
239-432-5002 |
|
Bank of America |
Bill McGowan |
941-708-3137 x. 225 |
|
BB&T |
Barbara Curtis |
941-794-6320 |
|
BB&T |
Gayle Goodfriend |
941-782-3702 |
|
BB&T |
Lisa Hattan |
941-358-1789 |
|
BB&T |
Kenneth Wagner |
941-739-7023 |
|
DHI Mortgage |
John R Platt |
239-253-1190 |
|
DHI Mortgage |
Joel Vega |
239-313-8242 |
|
Iberia Bank Mortgage |
Sharon Thompson |
941-363-3137 |
|
Pulte Mortgage |
Nick Peacock |
813-964-5141 |
|
Real Estate Mortgage Network |
Peter Minarich |
941-782-2077 |
|
Real Estate Mortgage Network |
Chris Smith |
941-782-2083 |
|
Real Estate Mortgage Network |
Susan Tyson |
|
941-809-4747 |
Real Estate Mortgage Network |
Sue Klinowski |
941-961-2449 |
|
Real Estate Mortgage Network |
Janene McGowan |
941-782-2076 |
|
Real Estate Mortgage Network |
George Wilkerson |
Cell: 941.720.1510 |