Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program es un segundo préstamo reembolsable para compradores de vivienda en Estes Park, Colorado. The Estes Valley Workforce Housing Assistance (EVWHA) program, from the Estes Park Housing Authority and the Estes Park Board of REALTORS, helps local workforce households earning 81-150% of Area Median Income buy homes in the Estes Valley. It provides a down-payment loan of up to 3.5% of the purchase price (maximum $15,000) as a 2% interest amortizing second mortgage with a 10-year term. Buyers must invest at least $3,000 of their own funds, be first-time buyers, complete a homeownership class, and have an eligible property under contract within 90 days of applying. Down-payment loan up to 3.5% of purchase price, capped at $15,000; 2% interest, 10-year amortizing term; minimum $3,000 buyer contribution; first-time buyers earning 81-150% AMI who work in the Estes Valley. Los fondos provienen de Local Government, Town of Estes Park y Larimer County.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program ofrece hasta $15,000 de ayuda. Aporte del comprador de vivienda: Buyer must contribute at least 1% of purchase price from own funds. El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program es un segundo préstamo reembolsable y se reembolsa según los términos que fija la agencia que administra el programa. El reembolso se activa por Sale, refinance with cash-out, transfer of title, or loss of owner-occupancy of the property. La ayuda se registra con un gravamen en posición 2. 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.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: Open to first-time and repeat buyers; no prior-homeownership restriction. Sobre el crédito, el programa indica: Mortgage-eligible based on first-mortgage underwriting (no published EPHA minimum). Se requiere un curso de educación para compradores de vivienda, a través de Required pre-purchase counseling through Larimer Home Ownership Program (LHOP) or another HUD-approved provider. Requisito de residencia: Buyer must work 30+ hrs/week in the Estes Valley (or be retired/disabled Estes Valley resident); home must be a primary residence in the Estes Valley. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen permitted by first-mortgage product. Buyer (or one earner in the household) must work an average of 30+ hours/week in the Estes Valley (Estes Park, unincorporated Larimer County within the Estes Valley Planning Area) for an Estes Valley business or governmental unit, OR be a permanently disabled or retired Estes Valley resident. Household income must fall between approximately 80% AMI ($63,680 for one person) and 150% AMI ($225,000 cap, scaled by household size — Larimer County HUD limits). Property must be the buyer's primary residence located in the Estes Valley. Mandatory pre-purchase counseling. EPHA records a deferred junior lien with no shared appreciation. Buyers must contribute at least 1% of purchase price from their own funds.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program limita el ingreso del hogar al 150% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Households between approximately 80% AMI ($63,680 1-person) and 150% AMI (capped at $225,000 for larger households) per Larimer County HUD income limits. EVWHA is a workforce-housing program intended for moderate-to-upper-moderate-income local workers. El límite se aplica al ingreso total del hogar, no solo al del prestatario. 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.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program limita el precio de compra así: No published cap; purchase price must be supported by appraisal and the first-mortgage product. Los tipos de propiedad elegibles incluyen Single-family detached, Townhome y Condominium. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program atiende a compradores de vivienda que compran en Estes Park, Colorado. El programa se dirige a áreas específicas: Estes Valley Planning Area only — Town of Estes Park and immediately surrounding unincorporated Larimer County (and small portions of Boulder County) within the Estes Valley.

Las solicitudes de Estes Valley Workforce Housing Assistance (EVWHA) Down Payment Loan Program se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Direct application to Estes Park Housing Authority. 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.