Wayne County First-Time Home Buyers Program

Wayne County First-Time Home Buyers Program es un segundo préstamo diferido para compradores de vivienda en Condado de Wayne, Michigan, a cargo de Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers). Wayne County offers first-time homebuyers down payment and closing cost assistance when purchasing a home in any of the 37 participating non-Detroit communities. Assistance is an interest-free deferred loan from $5,000 up to $14,999, due upon sale of the property, with up to $7,500 forgiven after a five-year ownership period. Administered through National Faith Homebuyers, which also provides required homeownership counseling. Interest-free deferred down payment and closing cost assistance up to $14,999, with up to $7,500 forgivable after 5 years. Los fondos provienen de Federal HOME funds via Wayne County / HUD.

Wayne County First-Time Home Buyers Program ofrece entre $5,000 y $14,999 de ayuda. Los montos son los máximos publicados por el programa, no una oferta: Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers) determina cualquier ayuda individual.

Wayne County First-Time Home Buyers Program 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 Interest-free deferred loan due upon sale of the property; up to $7,500 of the loan is forgiven after the initial five-year ownership period, with the balance due on sale/transfer. La ayuda se registra con un gravamen en posición second. 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.

Wayne County First-Time Home Buyers 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: First-time homebuyer defined as a purchaser who has not owned a home within the last three years. Se requiere un curso de educación para compradores de vivienda, a través de National Faith Homebuyers (homeownership counseling/education series covering credit, buying a home, qualifying for a mortgage, home maintenance). First-time buyer (no homeownership in last 3 years); cannot own/have interest in other real estate; liquid assets may not exceed $10,000; housing ratio <=30% and DTI <=43%; must complete National Faith homebuyer education; property must pass HQS inspection or obtain Certificate of Occupancy where required; must occupy as primary residence 5 years for forgiveness.

Wayne County First-Time Home Buyers Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Total household income must be at or below 80% of Area Median Income per HUD limits for household size (Detroit-Warren-Dearborn MSA). All household income counted. 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.

Wayne County First-Time Home Buyers Program se puede usar para Single Family. La construcción nueva no es elegible.

Wayne County First-Time Home Buyers Program atiende a compradores de vivienda que compran en Condado de Wayne, Michigan. El programa se dirige a áreas específicas: Available only in 37 participating Wayne County communities (non-Detroit). Includes Allen Park, Belleville, Brownstown, Ecorse, Flat Rock, Garden City, Gibraltar, Grosse Ile Twp., the Grosse Pointes, Hamtramck, Harper Woods, Highland Park, Huron Twp., Inkster, Melvindale, Plymouth & Plymouth Twp., River Rouge, Riverview, Rockwood, Romulus, Southgate, Sumpter Twp., Northville Twp., Trenton, Van Buren Twp., Wayne, Woodhaven, Wyandotte. Detroit, Dearborn and Livonia are excluded.

Las solicitudes de Wayne County First-Time Home Buyers Program se tramitan a través de Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application processed by National Faith Homebuyers, then submitted to Wayne County for final approval and check issuance (3-4 week county waiting period). 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.