SDHDA Participating Lenders originate, process and close all SDHDA First-time Homebuyer Program and Employer Mortgage Assistance Program (EMAP) loans.
Your Participating Employer will provide you with an EMAP "Eligibility Certificate" which you must take to an SDHDA Participating Lender when you apply for the loan to purchase a home.
On behalf of SDHDA, five Master Servicers (who are also Participating Lenders) will collect your monthly payments.
If you qualify for SDHDA's First-time Homebuyer Program, you will only make one payment to the lender for both the first and second mortgages.
Click here for a printable list of Participating Lenders (.pdf format)
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