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Th e M Rep o RT | 23 Feature needs of first time homebuyers, and buyers with low or modest-incomes. By partnering with a broad network of participating lend- ers and housing counselors, we ensure that our programs are easily accessible statewide, and relevant in different market environ- ments," said Cris White, CHFA executive director and CEO. Homes for Heroes is the nations largest hero savings program, offering discounts to firefighters, law enforcement, emergency medi- cal technicians, military (active and veterans), healthcare workers, and teachers, when they buy, sell, rent, or refinance a home. The program was created after the tragic events of 9/11 as a "Thank You" to the men and women who have given so much. As of March 2015, Homes for Heroes has given back over $9 million to our country's heroes. "Buying a first home is one of the largest financial commitments many heroes will make in their lifetime. On average, when using the program, heroes saved more than $2,000 at closing," said Ruth Johnson, President and CEO of Homes for Heroes, Inc. Craig Ferguson, VP of the National Homebuyers Fund, Inc., says, "Down payment assistance gift programs may help resolve one of the biggest challenges in home buying, coming up with resources for down payment and closing costs. The more options mortgage professionals learn about and provide to homebuyers, the greater the likelihood of meeting a homebuyer's specific needs." Participating in affordable housing pro- grams for low-to moderate income first-time homebuyers has to be a passion. It is the mortgage professional's job to educate them- selves on the availability of these programs in their communities and realize how many buyers can be helped by having access to affordable housing programs. Community oriented mortgage lenders who are concerned with helping to meet the needs of the bor- rowers is the key to making "home" possible to Americans dreaming of owning. Tonya Todd joined the Mountain West Financial, Inc., (MWF) team in early 2012 as SVP of Affordable Housing Programs. She is responsible for the company's participation and involvement in down payment assistance programs and works closely with nonprofit organizations and housing finance agencies to develop lending products that meet their constituent's needs. Operationally, Todd is responsible for the implementation, administra- tion, and maintenance of these programs. Prior to joining MWF, Todd worked for nearly nine years at Bank of America. Find out how ServiceLink can optimize your disclosure delivery process. Lenders who offer an electronic disclosure process can streamline delivery and tracking of the Loan Estimate and Closing Disclosure saving up to four days over traditional mail-away processes while helping to maintain compliance with CFPB Integrated Disclosure Rules. Every Day Counts Dear John Q. Public, Your Lender has sent you documenta on to review. It's simple to acces your order: 1. Go to: Authen ca on Web Site 2. Follow the Ac on Steps to create your account and access your documents. ClosingStream ClosingStream ServiceLink 800.777.8759

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