Town of Enfield First-Time Homebuyer Loan Program

Town of Enfield First-Time Homebuyer Loan Program es un segundo préstamo diferido para compradores de vivienda en Enfield, Connecticut, a cargo de Town of Enfield Office of Economic & Community Development (OCD). The Town of Enfield First-Time Homebuyer Loan Program provides gap funding to low- and moderate-income first-time buyers purchasing an existing home in Enfield. It covers up to 50% of the down payment and/or up to 100% of reasonable closing costs, to a $10,000 maximum, as a 0% second mortgage. Homes in the Thompsonville/North Thompsonville target area get a forgivable loan (10% forgiven yearly over 10 years); homes elsewhere get a deferred loan due on sale/transfer/delinquency. CDBG-funded and administered by the Town's OCD. Up to $10,000 at 0% interest. Covers up to 50% of down payment and up to 100% of reasonable closing costs. Forgivable over 10 years in the target area. Los fondos provienen de Federal/State Community Development Block Grant (CDBG).

Town of Enfield First-Time Homebuyer Loan Program ofrece hasta $10,000 de ayuda. Niveles de ayuda: Forgivable loan in Thompsonville (CT 4806)/North Thompsonville (4805) target area; deferred 0% loan elsewhere in Enfield. Aporte del comprador de vivienda: Not specified; program covers up to 50% of down payment so applicant funds the remainder. 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: Town of Enfield Office of Economic & Community Development (OCD) determina cualquier ayuda individual.

Town of Enfield First-Time Homebuyer Loan Program se perdona después de 10 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Deferred 0% second mortgage (homes outside target area) payable in full on sale/transfer or on delinquency of mortgage/tax/sewer; forgivable loan in Thompsonville/North Thompsonville target area forgiven 10% per year over 10 years. La ayuda se registra con un gravamen en posición Second mortgage. 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.

Town of Enfield First-Time Homebuyer 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: No ownership in prior 3 years; includes displaced homemakers and single parents; prior ownership of a non-permanently-affixed (manufactured) dwelling does not disqualify. Sobre el crédito, el programa indica: No published minimum; OCD reviews credit report. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved homebuyer counseling certificate within last year (e.g., Community Renewal Team, Mutual Housing of Hartford, Urban League of Greater Hartford, NHS of New Britain). Requisito de residencia: Need not live in Enfield to apply, but home must be in Enfield and the applicant's primary residence for the loan term. Property must be primary residence in Enfield for the loan term. HUD-approved homebuyer counseling required. Must obtain 30-yr fixed first mortgage. Home inspection + lead-paint compliance before occupancy. Loan Review Committee approval required.

Town of Enfield First-Time Homebuyer Loan Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income <= HUD CDBG limits (annual). 2025 Hartford County: 1=$70,950;2=$81,050;3=$91,200;4=$101,300;5=$109,450;6=$117,550;7=$125,650;8=$133,750. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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.

Town of Enfield First-Time Homebuyer Loan Program limita el precio de compra así: No set sales-price limit; OCD evaluates if price is appropriate for income/debt. Los tipos de propiedad elegibles incluyen Single Family, Condo y 2-4 Unit.

Town of Enfield First-Time Homebuyer Loan Program atiende a compradores de vivienda que compran en Enfield, Connecticut. El programa se dirige a áreas específicas: Thompsonville (CT 4806) and North Thompsonville (4805) target area: loan is forgivable (10%/yr over 10 yrs); deferred 0% loan elsewhere in Enfield.

Las solicitudes de Town of Enfield First-Time Homebuyer Loan Program se tramitan a través de Town of Enfield Office of Economic & Community Development (OCD), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Loan Review Committee meets first Tuesday monthly; if approved, funds reserved 90 days or to set closing date (30-60 day review). 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.