Effective immediately, AHFA is making the following changes to our Step Up Conventional Program (FHLMC HFA Advantage):

• Minimum FICO of 640 for the 80% or below AMI Program and the >80% AMI Program 
• Borrowers regardless of income AMI bracket will be offered the same rate for the Step Up Conventional program 

The mortgage insurance requirements for the Step Up FHLMC HFA Advantage program remain in place: