RCLF Grow Homeownership Mississippi

RCLF Grow Homeownership Mississippi هو قرض ثانٍ مؤجَّل لمشتري المنازل في مقاطعة Forrest, Harrison, Hinds, Lee، Mississippi، وتديره Renaissance Community Loan Fund (RCLF). RCLF's Grow Homeownership Mississippi program provides $10,000 in 0% interest deferred down payment assistance to low-income homebuyers in Forrest, Harrison, Hinds, and Lee counties. Funds are secured as a subordinate lien deferred for the life of ownership, due upon sale, refinance of the first mortgage, or non-occupancy. Primary eligibility targets households at or below 80% AMI; an expanded tier allows African American households or buyers of properties in qualified census tracts at 81–100% AMI. RCLF is a NeighborWorks America chartered member, HUD-approved housing counseling agency, and Treasury-certified CDFI. $10,000 deferred subordinate lien — no monthly payment. 0% interest rate. Due only upon sale, refinance, or non-occupancy. Targeted to households at or below 80% AMI. Expanded tier for African American households or QCT properties at 81–100% AMI. Pairs with RCLF and MHC first mortgages. يأتي التمويل من RCLF CDFI funds; subject to availability on first-come, first-served basis.

يقدم RCLF Grow Homeownership Mississippi مساعدة تصل إلى $10,000. فئات المنحة: Tier 1 (Primary): household income at or below 80% AMI — all applicants in covered counties eligible. Tier 2 (Expanded): household income 81–100% AMI — eligible only if household is African American OR property is located in a qualified census tract. يمكن الجمع بين البرنامج وRCLF first mortgage products (Easy8/MHC, Trusty10/MHC, Smart7/MHC, RCLF InHouse); FHLB Dallas HELP (up to $20,000 additional) also available through RCLF. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Renaissance Community Loan Fund (RCLF) هي التي تحدد أي مبلغ يُمنح لكل شخص.

RCLF Grow Homeownership Mississippi مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Sale of home, refinance of first mortgage, or borrower no longer occupies home as primary residence. تُسجَّل المساعدة في مرتبة الرهن: second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

RCLF Grow Homeownership Mississippi مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer defined as no ownership interest in principal residence in prior 3 years. Veterans and buyers in USDA/HUD designated target areas may be exempt. بشأن الائتمان، ينص البرنامج على: Must receive mortgage pre-approval from RCLF or Gum Tree Mortgage; specific minimum credit score not published on program page. شرط الإقامة: Home must be located in Forrest, Harrison, Hinds, or Lee County, Mississippi. Must be primary residence and owner-occupied for the life of ownership. Borrower must use RCLF or Gum Tree Mortgage for first mortgage — DPA is not available through other lenders. RCLF performs income calculation internally. Funds limited and subject to availability (first-come, first-served). Veterans and buyers in designated target areas may be exempt from first-time homebuyer requirement. The specific list of qualified census tracts for the 81–100% AMI tier is not published — contact RCLF at (844) 488-7253. RCLF NMLS #303219 (MS).

يحدد RCLF Grow Homeownership Mississippi دخل الأسرة بما لا يتجاوز 100% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Primary tier: household income at or below 80% AMI. Expanded tier: 81–100% AMI for African American households or properties in a qualified census tract. RCLF internally calculates household income and advises the lender of applicant eligibility. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع RCLF Grow Homeownership Mississippi حدًا لسعر الشراء على النحو التالي: Not specified in published program materials. تشمل أنواع العقارات المؤهلة Single Family.

يخدم RCLF Grow Homeownership Mississippi مشتري المنازل الذين يشترون في مقاطعة Forrest, Harrison, Hinds, Lee، Mississippi. يستهدف البرنامج مناطق محددة: Limited to four Mississippi counties: Forrest (Hattiesburg), Harrison (Gulf Coast/Gulfport), Hinds (Jackson), and Lee (Tupelo). Within those counties, qualified census tracts may allow expanded income eligibility for 81–100% AMI households.

تُقدَّم طلبات RCLF Grow Homeownership Mississippi عبر Renaissance Community Loan Fund (RCLF)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served; funds subject to availability; contact RCLF directly. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.