WVHDF Homeownership Program

WVHDF Homeownership Program هو رهن عقاري أول لمشتري المنازل في West Virginia، وتديره West Virginia Housing Development Fund (WVHDF). The WVHDF Homeownership Program is the Fund's signature first-mortgage program, primarily targeting lower-income first-time home buyers and generally offering the Fund's lowest interest rates. These 30-year, fixed-rate loans can finance up to 100% of the home's purchase price and provide access to the Fund's Low Down Home Loan down payment/closing cost assistance. Income and sales-price limits vary by county, and the first-time buyer requirement is waived in federally targeted counties. Lowest WVHDF interest rates. 30-year fixed-rate first mortgage. Up to 100% financing of purchase price. Access to the Low Down Home Loan (up to $15,000 at 2% for down payment/closing costs). Accepts FHA, VA, USDA, and conventional/PMI loans. First-time buyer requirement waived in targeted counties. يأتي التمويل من Tax-exempt mortgage revenue bonds issued by WVHDF.

WVHDF Homeownership Program هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها West Virginia Housing Development Fund (WVHDF). تُسجَّل المساعدة في مرتبة الرهن: first. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

WVHDF Homeownership Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: In federally targeted counties, the three-year prior-ownership prohibition does not apply (first-time buyer requirement waived). The first-time buyer requirement applies only in non-targeted counties. Former/current primary residence ownership is allowed with some Fund loans; borrowers should consult a loan officer. بشأن الائتمان، ينص البرنامج على: No published hard minimum; generally a score in the low- to mid-600s can be acceptable, but multiple factors impact qualification. Borrowers should complete a pre-qualification with a loan officer. يلزم إكمال دورة لمشتري المنازل، عبر Homebuyer Education/Counseling is required on conventionally insured or uninsured loans (free interactive course via Fannie Mae HomeView at fanniemae.com/education). On government-insured loans (FHA, VA, USDA), follow the insuring agency's homebuyer education guidelines. HUD-certified counseling agencies are also available. شرط الإقامة: Home must be purchased in West Virginia. Federal recapture tax may apply (9-year period). Cosigners not permitted. Lot size must be 5 acres or smaller. Only doublewide (no singlewide) manufactured homes eligible. Construction financing not available (permanent financing of new builds only). Min credit score, max DTI, max liquid assets, rate lock period, points/fees, and annual funding cap were not published on official sources and are left blank. Exact per-county income figures by household size are in the official limits PDF; the current 4-person figure was not separately broken out by household size on the source, so income_limit_amount reflects the most common county income limit ($57,040) rather than a confirmed 4-person value.

يحدد WVHDF Homeownership Program دخل الأسرة بما لا يتجاوز $57,040. 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 WVHDF Homeownership Program حدًا أقصى لسعر الشراء قدره $350,000. تشمل أنواع العقارات المؤهلة single-family detached، townhome، condominium (approved)، unit in approved Planned Unit Development (PUD) وdoublewide manufactured home (post-1976). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يذكر WVHDF Homeownership Program المحاربين القدامى 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 WVHDF Homeownership Program مشتري المنازل الذين يشترون في أي مكان في West Virginia. يستهدف البرنامج مناطق محددة: WVHDF designates federally targeted counties where the first-time homebuyer (3-year prior ownership) requirement is waived. Targeted counties per the 2025-26 limits PDF include: Braxton, Calhoun, Clay, Doddridge, Fayette, Gilmer, Grant, Hampshire, Hardy, Jackson, Lewis, Lincoln, Logan, McDowell, Mineral, Mingo, Monroe, Nicholas, Pendleton, Pleasants, Pocahontas, Preston, Randolph, Ritchie, Roane, Summers, Taylor, Tucker, Tyler, Upshur, Wayne, Webster, Wetzel, Wirt, Wyoming.

تُقدَّم طلبات WVHDF Homeownership Program عبر West Virginia Housing Development Fund (WVHDF)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Loans are reserved/locked by WVHDF Partner Lenders through the PowerLender system (wvhdf.powerlender.com). Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.