First Home Loan Program

First Home Loan Program es una primera hipoteca para compradores de vivienda en Maine, a cargo de Maine State Housing Authority (MaineHousing). MaineHousing's First Home Loan Program offers 30-year fixed-rate first mortgages at below-market interest rates to first-time homebuyers (and certain exempt groups), with little or no down payment when paired with FHA, VA, RD, MHSI, or private mortgage insurance. The loan can be combined with the Advantage option for $5,000 in down payment and closing-cost assistance, Purchase Plus Improvement for repairs, and Maine HOPE unemployment payment protection. Loans are funded by mortgage revenue bonds and purchased and serviced by MaineHousing after closing. Below-market fixed interest rate. Zero-point and two-point options. Little or no down payment with mortgage insurance. Stackable with $5,000 Advantage DPA. Purchase Plus Improvement up to $35,000 for repairs. Maine HOPE unemployment payment protection (4 payments as no-interest junior lien). Federal recapture tax reimbursed by MaineHousing. Loan stays with MaineHousing (not sold). Los fondos provienen de Mortgage revenue bonds (MaineHousing-issued).

First Home Loan Program es una primera hipoteca y se reembolsa según los términos que fija Maine State Housing Authority (MaineHousing). La ayuda se registra con un gravamen en posición first. 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.

First Home 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: Considered first-time if no ownership interest in principal residence in past 3 years (even prior homeowners qualify). Also eligible: current/former owner of an unattached mobile home on leased land; veterans, retired or active-duty military (via Salute ME) if any currently owned home is sold by closing. Sobre el crédito, el programa indica: Minimum credit score of 640; acceptable credit history required. Requisito de residencia: Property must be in Maine; owner-occupied as primary residence. Apply only through approved First Home Lenders; MaineHousing does not review the loan before closing. Lender must use the strictest of MaineHousing vs. mortgage-insurer guidelines. Required docs include Applicant Certification, Closing Affidavit, 3 years of federal tax returns per borrower/title holder, and a lender-completed income eligibility worksheet.

First Home Loan Program limita el ingreso del hogar a $120,750. 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.

First Home Loan Program limita el precio de compra a $525,000. Los tipos de propiedad elegibles incluyen single_family, condominium, 2-4_unit_owner_occupied y manufactured_mobile_home. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

First Home Loan Program menciona a veteranos y miembros del servicio militar activo entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

First Home Loan Program atiende a compradores de vivienda que compran en cualquier lugar de Maine. El programa se dirige a áreas específicas: Federal Targeted Areas exist where income limits may be higher; specific area list not published on the limits page.

Las solicitudes de First Home Loan Program se tramitan a través de Maine State Housing Authority (MaineHousing), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Lender reserves/locks the loan with MaineHousing after an executed Purchase & Sale agreement; rate is the rate in effect at reservation. 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.