SaluteME & Salute Home Again

SaluteME & Salute Home Again es un segundo préstamo diferido para compradores de vivienda en Statewide, Maine. MaineHousing's military / veteran homebuyer benefit: 0.50% rate reduction on First Home Loan first mortgage + standard $5,000 Advantage DPA second. SaluteME for active military and FTHB veterans. Salute Home Again waives FTHB for repeat-buyer veterans. Surviving spouses eligible. 640 FICO. Statewide. MaineHousing's SaluteME and Salute Home Again is a dual-name benefit program for active military, veterans, National Guard, Reservists, and qualifying surviving spouses. SaluteME provides a 0.50% rate REDUCTION (50 basis points off the standard First Home Loan first-mortgage rate) for active-duty military, National Guard, Reservists, and qualifying veterans. Salute Home Again provides the same 0.50% rate discount AND waives the first-time-homebuyer requirement for veterans who have owned a home within the past 3 years (i.e., repeat-homebuyer veterans qualify). The product pairs with the standard $5,000 Advantage DPA second mortgage (0% deferred, due-on-sale / refinance / transfer / non-owner-occupancy - no monthly payment, no forgiveness schedule). Eligible service: active-duty U.S. Armed Forces, National Guard, Reservists, honorably discharged veterans, and surviving spouses of qualifying veterans (per VA definition). Income and acquisition-cost limits follow MaineHousing's standard First Home Loan limits. 640 minimum FICO. Homebuyer education required. Los fondos provienen de State y Bond.

SaluteME & Salute Home Again es diferido, así que no hay pagos hasta que la vivienda se venda o se refinancie, o se termine de pagar la primera hipoteca. El reembolso se activa por Advantage $5,000 DPA second is 0% deferred, NO monthly payment. Full $5,000 due on sale, refinance, transfer of title, or non-owner-occupancy. No forgiveness schedule (deferred soft second). La ayuda se registra con un gravamen en posición 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.

SaluteME & Salute Home Again está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: 640 minimum FICO across all eligible first-mortgage products. Se requiere un curso de educación para compradores de vivienda, a través de MaineHousing-approved hoMEworks homebuyer education class (in-person or online) required prior to closing. Requisito de residencia: Property must be located in Maine and be the borrower's primary residence. Statewide eligibility. Ciudadanía o situación migratoria: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. MILITARY / VETERAN ELIGIBILITY: One borrower must be (a) active-duty U.S. Armed Forces, (b) National Guard or Reservist (with at least 90 days qualifying service or active-duty orders), (c) honorably discharged veteran, or (d) surviving spouse of a qualifying veteran (per VA definition). Documentation required: DD-214 / current military ID / orders / VA documentation per applicable status. SaluteME (active military + first-time-buyer veterans): standard FTHB requirement applies - waived for veterans under Salute Home Again branch. Salute Home Again (repeat-buyer veterans): FTHB requirement waived; veteran may have owned a home within the past 3 years and still qualify. Owner-occupied primary residence. 640 minimum FICO. Maximum 45% DTI. Borrower must contribute $1,000 of own funds. Income at or below MaineHousing First Home Loan limits ($98,900 1-2 person / $113,735 3+ person non-targeted; $111,100 1-2 / $149,270 3+ targeted). Maximum purchase price $525,000 non-targeted / $775,000 targeted/higher-cost county. hoMEworks homebuyer education required. Pairs with First Home Loan + Advantage $5,000 DPA second.

SaluteME & Salute Home Again limita el ingreso del hogar a $149,270. 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.

SaluteME & Salute Home Again limita el precio de compra a $525,000. Los tipos de propiedad elegibles incluyen Single-family detached, 2-4 unit owner-occupied (per first-mortgage overlays), condominium (project-approved), townhouse, PUD, modular, and manufactured home on permanent foundation (titled as real property y per first-mortgage overlays). La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

SaluteME & Salute Home Again menciona a veteranos, miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional y cónyuges sobrevivientes 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.

SaluteME & Salute Home Again atiende a compradores de vivienda que compran en Statewide, Maine. El programa se dirige a áreas específicas: Federally designated targeted census tracts (per IRS Section 143) where MRB first-time-homebuyer requirement is waived and higher income / acquisition-cost limits apply. Higher-cost counties (Cumberland, York, Sagadahoc) have higher acquisition-cost limits up to $775,000. Salute Home Again itself constitutes a federal-veteran FTHB waiver.

Las solicitudes de SaluteME & Salute Home Again 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 Reserved through MaineHousing's online lender portal (Lender Online) at time of rate lock by approved participating lender. Borrower must declare SaluteME eligibility and provide service documentation 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.