James City County First-Time Homebuyer Program

James City County First-Time Homebuyer Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في Williamsburg، Virginia، وتديره James City County Office of Housing. The James City County Office of Housing First-Time Homebuyer Program offers homeowner education classes, credit report reviews, and housing counseling to assist County residents and the local workforce in purchasing affordable housing. The program assists qualified buyers with down payment and closing cost assistance, and in designated areas offers low-interest-rate financing. Hampton Roads Loan Fund Partnership HOME funds are available to assist with purchases throughout the County and the City of Williamsburg. Down payment assistance. Closing cost assistance. Free homebuyer education classes. Credit report review. Pre-purchase housing counseling. Low-interest-rate financing in designated areas. يأتي التمويل من Federal HOME Investment Partnerships funds via Hampton Roads Planning District Commission - Hampton Roads Loan Fund Partnership (HRLFP); may be combined with Virginia Housing grants and SPARC reduced-rate financing.

James City County First-Time Homebuyer Program مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Sale, transfer, refinance, or loss of owner-occupancy may trigger repayment under the underlying Hampton Roads Loan Fund Partnership / HOME deferred loan terms (specific term not stated on JCC primary source). تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

James City County First-Time Homebuyer Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: Treated as first-time homebuyer if applicant has not owned a home in the last 3 years. بشأن الائتمان، ينص البرنامج على: Credit score of 620 or higher. يلزم إكمال دورة لمشتري المنازل، عبر James City County Office of Housing homebuyer education classes; pre-purchase housing counseling provided by the Office of Housing. شرط الإقامة: Program serves James City County residents and the local workforce; assistance is to purchase homes throughout James City County and the City of Williamsburg. Must not have owned a home in the last 3 years; household income at or below 80% AMI; credit score 620+; stable income sufficient for the mortgage payment. DPA sourced from Hampton Roads Loan Fund Partnership HOME funds; may combine with Virginia Housing grants and SPARC.

يحدد James City County First-Time Homebuyer Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income may not exceed 80% of Area Median Income (HUD AMI for the Virginia Beach-Norfolk-Newport News, VA-NC HUD metro). Specific per-household-size dollar limits not published on the JCC program page; determined at application using current HUD income limits. 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 James City County First-Time Homebuyer Program حدًا لسعر الشراء على النحو التالي: Subject to HRLFP / HOME maximum purchase price limits; specific cap not stated on JCC primary source. تشمل أنواع العقارات المؤهلة Single Family، Townhouse وCondo.

يخدم James City County First-Time Homebuyer Program مشتري المنازل الذين يشترون في Williamsburg، Virginia. يستهدف البرنامج مناطق محددة: In designated areas the program offers low-interest-rate financing in addition to down payment/closing-cost assistance.

تُقدَّم طلبات James City County First-Time Homebuyer Program عبر James City County Office of Housing، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Application submitted to James City County Office of Housing (online application); subject to availability of HRLFP HOME funds. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.