Farmers Insurance Essay

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Veterans Housing Assistance Program (VHAP) Program Bulletin
Texas Veterans Land Board CitiMortgage Program Administrator

Bulletin#12-02 | July 26, 2012

New Construction We are pleased to announce effective July 26, 2012, the Texas Veterans Land Board (VLB) will allow for an alternative energy efficiency rating to our ENERGY STAR® requirement. All new construction homes must now meet: 1. The Environmental Protection Agency's (EPA) guidelines for ENERGY STAR® qualified homes, and must be ENERGY STAR® labeled and certified; OR 2. A HERS Index Score of 75 or less following the RESNET National Home Energy Rating Standards and must have an energy rating Certificate that documents the HERS Index score of 75 or less. Additionally, the VLB
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First mortgage loans are originated by Citibank, N.A. First mortgage loans are serviced by CitiMortgage, Inc. CitiMortgage does business as Citicorp Mortgage in New Mexico. CitiMortgage, Inc. is an equal housing lender. Citi, Citi with the arc design, and CitiMortgage are registered service marks of Citigroup, Inc.

Texas Veterans Land Board Veterans Housing Assistance Program PROGRAM SUMMARY

Compliance Agent and Servicer

Citibank, Correspondent Special Programs Division Mail Code: N3B-356 4000 Regent Blvd., 3rd floor Irving, TX 75063 800-967-2205 Option 1, Enter ISN, Option 7


Homebuyer Eligibility –
All borrowers must be approved by the VLB before proceeding with application. Download Certification of Eligibility forms at


Veterans (all of the following must apply): a. Served no fewer than 90 cumulative days on active duty in the Army, Navy, Air Force, Marines, Coast Guard, or US Public Heath Service or recognized reserve component of the listed branches of service b. Served after September 16, 1940 c. Not been dishonorably discharged d. The applicant must be a bona fide resident of Texas at the time the application is made. (A “bona fide resident” is someone who is living in Texas with the intent to remain in Texas) Unmarried, surviving spouses may qualify.

Any previous VLB mortgage loan must be paid off prior to closing. See for full

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