Pima Tucson Homebuyer's Solution (PTHS)

Pima Tucson Homebuyer's Solution (PTHS) es un préstamo condonable para compradores de vivienda en Tucson, Arizona, a cargo de 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.

Pima Tucson Homebuyer's Solution (PTHS) se perdona después de 3 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. La ayuda se registra con un gravamen en posición Second. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Pima Tucson Homebuyer's Solution (PTHS) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Minimum credit score of 640 for all borrowers; must also meet FHA, VA, USDA, Fannie Mae or Freddie Mac underwriting requirements. Se requiere un curso de educación para compradores de vivienda, a través de 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.

Pima Tucson Homebuyer's Solution (PTHS) limita el ingreso del hogar a $146,503. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Pima Tucson Homebuyer's Solution (PTHS) se puede usar para Single Family, Condo, Townhouse, 2-4 Unit y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Pima Tucson Homebuyer's Solution (PTHS) atiende a compradores de vivienda que compran en Tucson, Arizona.

Las solicitudes de Pima Tucson Homebuyer's Solution (PTHS) se tramitan a través de Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.