Housing Assistance for Teachers (HAT)

Housing Assistance for Teachers (HAT) es una subvención para compradores de vivienda en Condado de Multiple, Mississippi. Mississippi Critical Teacher Shortage Act grant: up to $6,000 forgivable assistance for MS-licensed K-12 public-school teachers committing to 3 years in a designated critical-shortage school district. Funded by MS Department of Education, administered by MHC. The Housing Assistance for Teachers (HAT) program was authorized by the Mississippi Critical Teacher Shortage Act of 1998 and is funded by the Mississippi Department of Education (administered by Mississippi Home Corporation). HAT provides up to $6,000 in grant assistance toward down payment, closing costs, prepaid items, and (if applicable) mortgage insurance, for licensed Mississippi public-school K-12 teachers who agree to teach for at least three years in a designated critical-shortage school district. The grant is structured as a forgivable loan: it is fully forgiven once the teacher completes three years of service. If the teacher leaves the district before the three years are up, the prorated balance becomes repayable. Borrower must contribute a minimum 1% of own funds plus one month's reserves. Los fondos provienen de State.

Housing Assistance for Teachers (HAT) está estructurado como una subvención, así que no se devuelve. El reembolso se activa por Forgiven upon completion of three (3) years of teaching service in the designated critical-shortage school district. Prorated repayment owed if teacher leaves the district before completing the 3-year service requirement, or if the property is no longer owner-occupied. 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.

Housing Assistance for Teachers (HAT) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Credit score dependent on first-mortgage LTV and lender / servicer overlays. Se requiere un curso de educación para compradores de vivienda, a través de MHC-approved homebuyer education provider (Framework, eHome America, or HUD-approved counseling agency) when paired with an MHC mortgage product. Requisito de residencia: Property must be located in the same Mississippi county where the teacher is employed AND that county / school district must be designated by the MS Department of Education as a critical teacher shortage area. Owner-occupied principal residence. Ciudadanía o situación migratoria: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Borrower must be a licensed Mississippi K-12 public-school teacher. Borrower must agree to teach for at least three (3) years starting at the beginning of the school year in a school district designated by the MS Department of Education as a 'critical teacher shortage' district (60+ counties/districts including Adams, Amite, Attala, Benton, Bolivar, Calhoun, Carroll, Chickasaw, Choctaw, Claiborne, Clarke, Coahoma, Copiah, Covington, Desoto, Forrest, Greene, Grenada, Hancock, Harrison, Hinds, Holmes, and others). Property must be in the same county where the teacher is employed and in a critical-shortage district. Owner-occupied principal residence. 25 or 30-year fixed loan; FHA / VA / USDA-RD / Fannie Mae HFA / Freddie Mac HFA. Borrower must contribute 1% of sales price from own funds plus 1 month's reserves (reserves may be gifted; the 1% may not be gifted). No income limits when used stand-alone; income limits apply when paired with an MHC bond mortgage product.

Housing Assistance for Teachers (HAT) fija su límite de ingresos así: No income limits when used stand-alone. Income limits per the paired MHC mortgage product (Smart7, Easy8, Trusty10, DPA 14) when stacked. 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.

Housing Assistance for Teachers (HAT) limita el precio de compra así: No HAT-specific purchase price limit when used stand-alone; per paired MHC mortgage product when stacked. Los tipos de propiedad elegibles incluyen Single-family detached, condominium, townhouse, PUD y manufactured home on permanent foundation per servicer overlays. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Housing Assistance for Teachers (HAT) menciona a veteranos, miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional, cónyuges sobrevivientes y educadores 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.

Housing Assistance for Teachers (HAT) atiende a compradores de vivienda que compran en Condado de Multiple, Mississippi. El programa se dirige a áreas específicas: MS Department of Education designated 'Critical Teacher Shortage' school districts (60+ districts statewide).

Las solicitudes de Housing Assistance for Teachers (HAT) 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 MHC's Lender Online portal at time of rate lock by approved participating lender, with HAT loan-agreement documentation. 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.