The First-Time Home Buyers Advantage, or FTHB, offers a conventional, fixed-rate mortgage with a preferred interest rate, priced below our standard Conventional Advantage.FTHB interest rates can be viewed on the Daily Pricing Grid. The preferred interest rates will be reflected in the grid with the prefix of FTHB.
First-time home buyers must meet the following FTHB Advantage eligibility requirements:
The Veterans Affordable Loan Opportunity Rate, or VALOR, offers military veterans a conventional, fixed-rate mortgage with a preferred interest rate, priced below our standard Conventional Advantage. This is a limited program and mortgage funds are available on a first come, first served basis.
Use the Capital Access Advantage to help qualify more borrowers for an affordable WHEDA mortgage. A Capital Access second mortgage is a low-cost, deferred down payment assistance loan designed for home buyers in specific Wisconsin markets with high housing needs.
Capital Access Advantage home buyers must meet the following program requirements:
The Transform Advantage is a first and second mortgage loan product. It can be used to acquire and rehabilitate a property or for new construction. This product is limited to
specific neighborhoods in Milwaukee. Home buyer education is required as well as consultation with one of the partner agencies to scope rehab or construction efforts.
To get started, please work with a Transform Advantage Partner.