Pima Tucson Homebuyer's Solution (PTHS)

Pima Tucson Homebuyer's Solution (PTHS) هو قرض قابل للإعفاء لمشتري المنازل في Tucson، Arizona، وتديره Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation). The Pima Tucson Homebuyer's Solution (PTHS) is a mortgage program offered jointly by the Industrial Development Authorities of Pima County and the City of Tucson, administered by Community Investment Corporation, for homebuyers purchasing anywhere in Pima County including the City of Tucson. Borrowers receive a 30-year fixed-rate first mortgage (FHA, VA, USDA, or Conventional) plus down payment and closing-cost assistance in the form of a forgivable second mortgage; for VA loans the assistance is a grant. There is no first-time homebuyer requirement and no purchase price limit, and the assistance can fund up to 100% of the borrower's cash to close. Down payment and closing cost assistance as a forgivable second mortgage (grant for VA loans). No first-time homebuyer requirement. No purchase price limit. No minimum borrower investment required. May fund up to 100% of cash to close. Can be combined with MCC and HOME DPA. No recapture tax.

يُعفى من Pima Tucson Homebuyer's Solution (PTHS) بعد 3 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Pima Tucson Homebuyer's Solution (PTHS) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Minimum credit score of 640 for all borrowers; must also meet FHA, VA, USDA, Fannie Mae or Freddie Mac underwriting requirements. يلزم إكمال دورة لمشتري المنازل، عبر Homebuyer education course required for all primary borrowers on the Note/Warranty Deed; eHomeAmerica is approved. Owner-occupied primary residence; buyers must occupy within 60 days of closing. Assistance may fund up to 100% of cash to close (down payment, closing costs, prepaids); no cash back to borrower. Maximum DTI 45 percent. GAP: assistance percentage differs by source/sub-program (Pima IDA lists 3, 4 or 5 percent; CIC lists 2 to 5 percent; Housing Innovation Hub PTHS Advantage lists up to 4 percent as a 30-year forgivable second). Base PTHS second is a 3-year forgivable loan; PTHS Advantage is a 30-year forgivable loan. GAP: annual funding cap, exact repayment trigger detail, and income limits by loan type/household size not published on official pages reviewed. GAP: HUD AMI year not stated on official source.

يحدد Pima Tucson Homebuyer's Solution (PTHS) دخل الأسرة بما لا يتجاوز $146,503. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام Pima Tucson Homebuyer's Solution (PTHS) لـSingle Family، Condo، Townhouse، 2-4 Unit وManufactured. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Pima Tucson Homebuyer's Solution (PTHS) مشتري المنازل الذين يشترون في Tucson، Arizona.

تُقدَّم طلبات Pima Tucson Homebuyer's Solution (PTHS) عبر Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.