Intown Mortgage Assistance Program (IMAP)

Intown Mortgage Assistance Program (IMAP) es un préstamo condonable para compradores de vivienda en Atlanta, Georgia. The Intown Mortgage Assistance Program (IMAP) is an Invest Atlanta homebuyer incentive that provides up to $10,000 in down payment, closing-cost, or permanent interest-rate buydown assistance to buyers purchasing a home within the City of Atlanta. The assistance is delivered as a 0% interest soft second mortgage fully forgiven after the buyer lives in the property as their primary residence for 5 years. IMAP pairs with a 30-year fixed-rate FHA, VA, or conventional first mortgage from an Invest Atlanta participating lender and is intended for in-town moderate-income buyers. Up to $10,000 in down payment, closing-cost or interest-rate buydown assistance paired with a 30-year fixed FHA, VA, or conventional first mortgage from an Invest Atlanta participating lender. Structured as a 0% soft second mortgage fully forgiven after 5 years of owner-occupancy. Los fondos provienen de Invest Atlanta / Urban Residential Finance Authority bond proceeds and program income.

Intown Mortgage Assistance Program (IMAP) se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Sale, transfer, refinance (cash-out), or loss of owner-occupancy within the 5-year affordability period. La ayuda se registra con un gravamen en posición Subordinate (2nd lien). 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.

Intown Mortgage Assistance Program (IMAP) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: 660 minimum (680 for some loan/DTI combinations). Se requiere un curso de educación para compradores de vivienda, a través de Invest Atlanta-approved homebuyer education providers (HUD-approved counseling agencies). Requisito de residencia: Property must be located within the City of Atlanta city limits and occupied as primary residence. Property must be located within the city limits of Atlanta. Borrower must contribute $1,500 of own funds (off-closing purchases count). Liquid-asset cap of $25,000. Minimum FICO 660 (680 may apply by loan type/DTI). Maximum DTI per AUS / participating lender. Borrower may not own other real property at closing. Owner-occupied primary residence required. Program fee of $1,200. Must complete pre-purchase homebuyer education with an approved provider. Must qualify with an Invest Atlanta participating lender.

Intown Mortgage Assistance Program (IMAP) limita el ingreso del hogar a $139,320. 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.

Intown Mortgage Assistance Program (IMAP) limita el precio de compra a $385,000. Los tipos de propiedad elegibles incluyen Single-Family, Townhome, Condo y 2-4 Unit. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Intown Mortgage Assistance Program (IMAP) atiende a compradores de vivienda que compran en Atlanta, Georgia. El programa se dirige a áreas específicas: Properties must be within the city limits of Atlanta.

Las solicitudes de Intown Mortgage Assistance Program (IMAP) 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 Reservations made by participating lender through eHousingPlus once buyer is under contract. 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.