State Housing Finance Agency Clauses
Mortgagee clauses for all 50 state HFAs — down payment assistance, first-time buyer programs, and affordable housing programs.
Mortgagee clauses for all 50 state HFAs — down payment assistance, first-time buyer programs, and affordable housing programs.
State Housing Finance Agencies (HFAs) are government-created entities that provide affordable housing programs — including below-market interest rates, down payment assistance, and first-time buyer grants. Nearly every state has one.
The critical detail for insurance professionals: HFA mortgagee clauses are often different from the servicing bank's clause. If a borrower used an HFA program, the insurance policy must name the HFA in the mortgagee clause — even though a bank like U.S. Bank or Cenlar is actually servicing the loan. Using the wrong clause can delay closings and trigger compliance issues.
Our database includes clause information for 50 state housing finance agencies. Upgrade to Plus for full clause text, addresses, and contact information.
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