{"id":6172,"date":"2023-09-05T17:46:59","date_gmt":"2023-09-05T17:46:59","guid":{"rendered":"https:\/\/chenoafund.org\/?page_id=6172"},"modified":"2025-02-24T16:06:12","modified_gmt":"2025-02-24T16:06:12","slug":"program-faq","status":"publish","type":"page","link":"https:\/\/chenoafund.org\/lender\/program-faq\/","title":{"rendered":"Program FAQ"},"content":{"rendered":"[vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_image=”6111″ bg_position=”center center” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”5%” constrain_group_1=”yes” bottom_padding=”5%” text_color=”light” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”home” enable_gradient=”true” color_overlay=”#10188e” color_overlay_2=”#c940d9″ overlay_strength=”0.8″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_position=”bottom” shape_divider_height=”10%” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”fast” gradient_type=”default” shape_type=”fan”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” centered_text=”true” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text css=”.vc_custom_1694540023653{margin-bottom: 35px !important;}”]\n

Program Frequently Asked Questions<\/h1>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#ffffff” scene_position=”center” top_padding=”3%” bottom_padding=”4%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.5″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=””][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”5\/6″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in-from-bottom” animation_easing=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][vc_custom_heading text=”The following are commonly asked questions regarding Chenoa Fund\u00ae, a national down payment assistance program provided through CBC Mortgage Agency, an FHA-approved, federally chartered governmental agency.” font_container=”tag:h3|text_align:center” use_theme_fonts=”yes” css_animation=”none” css=”” link=”url:https%3A%2F%2Fchenoafund.org%2F|title:down%20payment%20assistance”][nectar_cta btn_style=”text-reveal-wave” heading_tag=”h6″ button_color=”accent-color” button_color_hover=”#10188e” text_color=”#ffffff” text_color_hover=”#ffffff” button_border_color=”#10188e” button_border_color_hover=”#10188e” button_border_thickness=”0px” link_type=”regular” alignment=”center” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Get Started” margin_top=”5vh” padding_top=”15″ padding_bottom=”15″ padding_left=”15″ padding_right=”15″ url=”\/affordable-housing\/”][\/vc_column_inner][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/12″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f7f7f7″ scene_position=”center” top_padding=”2%” bottom_padding=”4%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” overlay_strength=”0.3″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#c940d9″ shape_divider_position=”bottom” bg_image_animation=”none” gradient_type=”default” shape_type=”fan”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”default” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][toggles style=”minimal”][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How Do I Draw Documents?”][vc_column_text css=”” text_direction=”default”]For more information on how to draw documents from CBC Mortgage Agency’s portal, including documents such as the LE and Initial Closing Package, please review the Chenoa Fund Training Series, sub-topic “Using the Lender Portal,”.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How Should I Escalate Conditions on my Uploads?”][vc_column_text css=”” text_direction=”default”]For more information on how to upload documents to clear for purchase, please review the Chenoa Fund Training Series, sub-topic “Purchase Clearing,”.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How Do I Upload Documents for Purchase Clearing?”][vc_column_text css=”” text_direction=”default”]For more information on how to upload documents to clear for purchase, please review the Chenoa Fund Training Series, sub-topic “Purchase Clearing,”.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How do I Secure DPA Approvals?”][vc_column_text css=”” text_direction=”default”]For more information on how to secure DPA approvals for the second mortgage, please review the Chenoa Fund Training Series, sub-topic “Using the Lender Portal,”.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How Do I Register and\/or Lock a Loan?”][vc_column_text css=”” text_direction=”default”]For more information on how to register or lock a loan, please review the Chenoa Fund Training Series, sub-topic “Using the Lender Portal,”.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”What Should I Know About CBCMA’s Lock Desk?”][vc_column_text css=”” text_direction=”default”]For more information on CBC Mortgage Agency’s Lock Desk policies and procedures, please review the Chenoa Fund Training Series, sub-topic “Lock Desk,”.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”How do I calculate AMI?”][vc_column_text css=”” text_direction=”default”]For more information on how to calculate Area Median Income (AMI) by following Chenoa Fund’s overlays, please review the Chenoa Fund Training Series, sub-topic “How to Calculate AMI,”.[\/vc_column_text][\/toggle][toggle color=”Default” heading_tag=”default” heading_tag_functionality=”default” title=”Pre-Registration: 1003″][vc_column_text css=”” text_direction=”default”]For more information on the pre-registration process, and on how to fill out the 1003, please review Training Series #3 – Pre-Registration and the 1003.[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type=”full_width_content” full_screen_row_position=”middle” column_margin=”none” equal_height=”yes” content_placement=”middle” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” bg_color=”#f4f4f4″ bg_image=”5977″ bg_position=”left top” background_image_loading=”default” bg_repeat=”no-repeat” scene_position=”center” top_padding=”5%” bottom_padding=”5%” left_padding_desktop=”7%” constrain_group_2=”yes” right_padding_desktop=”7%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” disable_element=”yes” color_overlay=”#f4f4f4″ advanced_gradient_angle=”0″ overlay_strength=”0.95″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#ffffff” shape_divider_position=”top” shape_divider_bring_to_front=”true” bg_image_animation=”none” parallax_bg=”true” parallax_bg_speed=”medium” gradient_type=”default” shape_type=”fan”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”30px” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” column_position=”static” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/2″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default” column_padding_type=”default”][vc_row_inner column_margin=”none” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” right_padding_desktop=”5%” top_padding_tablet=”8%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][split_line_heading animation_type=”line-reveal-by-space” font_style=”h2″ text_color=”#000000″ line_reveal_by_space_text_effect=”default” stagger_animation=”true” mobile_disable_animation=”true” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”Locating a Lender Near You” font_size=”3vw” font_line_height=”1.3″][\/split_line_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” right_padding_desktop=”14%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in” animation_easing=”easeInOutQuad” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_responsive_text inherited_font_style=”default” font_size_min=”16px” font_size_desktop=”1.1vw” font_line_height=”1.8″]CBC Mortgage Agency has approved lenders across the country trained to offer its Chenoa Fund down payment assistance program. To find an approved lender, simply fill out this form and a representative will get in touch with you with a list of lenders in your clients area. <\/span>[\/nectar_responsive_text][nectar_cta btn_style=”text-reveal-wave” heading_tag=”h6″ button_color=”accent-color” button_color_hover=”#10188e” text_color=”#ffffff” text_color_hover=”#ffffff” button_border_color=”#10188e” button_border_color_hover=”#10188e” button_border_thickness=”0px” link_type=”regular” alignment=”center” alignment_tablet=”default” alignment_phone=”default” constrain_group_3=”yes” constrain_group_4=”yes” display=”block” display_tablet=”inherit” display_phone=”inherit” icon_family=”none” link_text=”Find an Approved Lender” margin_top=”5vh” padding_top=”15″ padding_bottom=”15″ padding_left=”15″ padding_right=”15″ url=”\/affordable-housing\/”][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” 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row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” advanced_gradient_angle=”0″ gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” gradient_type=”default”][split_line_heading animation_type=”line-reveal-by-space” font_style=”h2″ text_color=”#000000″ line_reveal_by_space_text_effect=”default” stagger_animation=”true” mobile_disable_animation=”true” content_alignment=”default” mobile_content_alignment=”inherit” link_target=”_self” text_content=”Marketing Materials” font_size=”3vw” font_line_height=”1.3″][\/split_line_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” right_padding_desktop=”14%” text_align=”left” row_position=”default” row_position_tablet=”inherit” row_position_phone=”inherit” overflow=”visible” pointer_events=”all”][vc_column_inner column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” tablet_text_alignment=”default” phone_text_alignment=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_backdrop_filter=”none” column_shadow=”none” column_border_radius=”none” column_link_target=”_self” overflow=”visible” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1\/1″ tablet_width_inherit=”default” animation_type=”default” enable_animation=”true” animation=”fade-in” animation_easing=”easeInOutQuad” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid” column_padding_type=”default” gradient_type=”default”][nectar_responsive_text inherited_font_style=”default” font_size_min=”16px” font_size_desktop=”1.1vw” font_line_height=”1.8″]CBC Mortgage Agency offers a number of marketing materials for real estate professionals\u00a0 to use to inform homebuyers about the Chenoa Fund down payment assistance program. Visit our real estate agent toolkit <\/a><\/span>for assets and marketing collateral.\u00a0<\/span>[\/nectar_responsive_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row type=”full_width_background” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” top_padding=”6%” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overflow=”visible” id=”services” overlay_strength=”0.3″ gradient_direction=”left_to_right” enable_shape_divider=”true” shape_divider_color=”#c940d9″ shape_divider_position=”top” bg_image_animation=”none” shape_type=”fan” gradient_type=”default”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_direction_desktop=”default” column_element_spacing=”default” desktop_text_alignment=”default” 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