Native Partnership for Housing Gap Financing (Second Mortgage)

Native Partnership for Housing Gap Financing (Second Mortgage) هو رهن عقاري ثانٍ لمشتري المنازل في Gallup، New Mexico، وتديره Native Partnership for Housing, Inc. (NPH). Native Partnership for Housing (NPH), a Gallup-based Native community development lender and certified HUD Section 184 lender, offers a Gap Financing second-mortgage product for eligible Native American homebuyers whose purchase price exceeds Section 184 or other first-mortgage loan limits. The repayable second mortgage bridges the gap so the buyer can move forward with the purchase. NPH also provides homebuyer education, housing counseling, and down payment/closing-cost assistance. Bridges the gap above Section 184 or other loan limits. Pairs with Section 184 or NPH Internal Purchase Loan. Specialized in Native homeownership (on and off tribal lands). Homebuyer education and counseling included. Can be used for new construction, existing homes, or manufactured homes. يأتي التمويل من Native Partnership for Housing, Inc. (CDFI / Native community development lender), subject to funding availability.

Native Partnership for Housing Gap Financing (Second Mortgage) هو رهن عقاري ثانٍ ويُسدَّد وفق الشروط التي تحددها Native Partnership for Housing, Inc. (NPH). يُستحق السداد عند Must be repaid (repayable second mortgage); fills the gap when a home's purchase price exceeds Section 184 or other program loan limits. تُسجَّل المساعدة في مرتبة الرهن: Second (subordinate to the primary mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Native Partnership for Housing Gap Financing (Second Mortgage) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Subject to credit review and approval; full documentation required; not all applicants will be approved. يلزم إكمال دورة لمشتري المنازل، عبر Native Partnership for Housing homebuyer education (NPH is a HUD-approved housing counseling/education provider; eHomeAmerica/nph online course). شرط الإقامة: Serves Native American homebuyers throughout New Mexico, Arizona, Southern Utah, and Southern Colorado (on and off tribal lands). This loan must be repaid (it is a repayable second mortgage, not a grant or forgivable loan). Subject to credit review, approval, full documentation, and NPH criteria; not all applicants will be approved. Available only to Native American homebuyers (race/ethnicity restricted by NPH's mission and lending charter). Down payment, closing-cost assistance, and gap financing are referenced generally; specific dollar amounts, interest rate, term, and income limits are not published on the primary source and are quoted per applicant.

يحدد Native Partnership for Housing Gap Financing (Second Mortgage) حد الدخل على النحو التالي: Income/eligibility determined at application against NPH criteria; specific limits not published on the primary source. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Native Partnership for Housing Gap Financing (Second Mortgage) حدًا لسعر الشراء على النحو التالي: Designed for cases where the purchase price exceeds Section 184 or other program loan limits. تشمل أنواع العقارات المؤهلة Single-family (1-4 units, primary residence)، New construction (site-built or manufactured on permanent foundation) وExisting home. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يذكر Native Partnership for Housing Gap Financing (Second Mortgage) مشتري المنازل من الهنود الأمريكيين وسكان ألاسكا الأصليين ضمن الفئات التي يخدمها. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم Native Partnership for Housing Gap Financing (Second Mortgage) مشتري المنازل الذين يشترون في Gallup، New Mexico.

تُقدَّم طلبات Native Partnership for Housing Gap Financing (Second Mortgage) عبر Native Partnership for Housing, Inc. (NPH)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Loan Application Intake Form submitted to NPH; subject to credit review and approval and meeting NPH criteria. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.