RCLF Grow Homeownership Mississippi

RCLF Grow Homeownership Mississippi es un segundo préstamo diferido para compradores de vivienda en Condado de Forrest, Harrison, Hinds, Lee, Mississippi, a cargo de Renaissance Community Loan Fund (RCLF). RCLF's Grow Homeownership Mississippi program provides $10,000 in 0% interest deferred down payment assistance to low-income homebuyers in Forrest, Harrison, Hinds, and Lee counties. Funds are secured as a subordinate lien deferred for the life of ownership, due upon sale, refinance of the first mortgage, or non-occupancy. Primary eligibility targets households at or below 80% AMI; an expanded tier allows African American households or buyers of properties in qualified census tracts at 81–100% AMI. RCLF is a NeighborWorks America chartered member, HUD-approved housing counseling agency, and Treasury-certified CDFI. $10,000 deferred subordinate lien — no monthly payment. 0% interest rate. Due only upon sale, refinance, or non-occupancy. Targeted to households at or below 80% AMI. Expanded tier for African American households or QCT properties at 81–100% AMI. Pairs with RCLF and MHC first mortgages. Los fondos provienen de RCLF CDFI funds; subject to availability on first-come, first-served basis.

RCLF Grow Homeownership Mississippi ofrece hasta $10,000 de ayuda. Niveles de ayuda: Tier 1 (Primary): household income at or below 80% AMI — all applicants in covered counties eligible. Tier 2 (Expanded): household income 81–100% AMI — eligible only if household is African American OR property is located in a qualified census tract. El programa se puede combinar con RCLF first mortgage products (Easy8/MHC, Trusty10/MHC, Smart7/MHC, RCLF InHouse); FHLB Dallas HELP (up to $20,000 additional) also available through RCLF. Los montos son los máximos publicados por el programa, no una oferta: Renaissance Community Loan Fund (RCLF) determina cualquier ayuda individual.

RCLF Grow Homeownership Mississippi 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 Sale of home, refinance of first mortgage, or borrower no longer occupies home as primary residence. 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.

RCLF Grow Homeownership Mississippi 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 no ownership interest in principal residence in prior 3 years. Veterans and buyers in USDA/HUD designated target areas may be exempt. Sobre el crédito, el programa indica: Must receive mortgage pre-approval from RCLF or Gum Tree Mortgage; specific minimum credit score not published on program page. Requisito de residencia: Home must be located in Forrest, Harrison, Hinds, or Lee County, Mississippi. Must be primary residence and owner-occupied for the life of ownership. Borrower must use RCLF or Gum Tree Mortgage for first mortgage — DPA is not available through other lenders. RCLF performs income calculation internally. Funds limited and subject to availability (first-come, first-served). Veterans and buyers in designated target areas may be exempt from first-time homebuyer requirement. The specific list of qualified census tracts for the 81–100% AMI tier is not published — contact RCLF at (844) 488-7253. RCLF NMLS #303219 (MS).

RCLF Grow Homeownership Mississippi limita el ingreso del hogar al 100% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Primary tier: household income at or below 80% AMI. Expanded tier: 81–100% AMI for African American households or properties in a qualified census tract. RCLF internally calculates household income and advises the lender of applicant eligibility. 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.

RCLF Grow Homeownership Mississippi limita el precio de compra así: Not specified in published program materials. Los tipos de propiedad elegibles incluyen Single Family.

RCLF Grow Homeownership Mississippi atiende a compradores de vivienda que compran en Condado de Forrest, Harrison, Hinds, Lee, Mississippi. El programa se dirige a áreas específicas: Limited to four Mississippi counties: Forrest (Hattiesburg), Harrison (Gulf Coast/Gulfport), Hinds (Jackson), and Lee (Tupelo). Within those counties, qualified census tracts may allow expanded income eligibility for 81–100% AMI households.

Las solicitudes de RCLF Grow Homeownership Mississippi se tramitan a través de Renaissance Community Loan Fund (RCLF), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de First-come, first-served; funds subject to availability; contact RCLF directly. 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.