HomeStretch (HB819 Shared Equity Program)

HomeStretch (HB819 Shared Equity Program) es un préstamo de plusvalía compartida para compradores de vivienda en Statewide, Montana, a cargo de NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819). HomeStretch is a shared-equity homeownership program created in 2023 by Montana House Bill 819 (the Montana Community Reinvestment Plan Act). It blends State of Montana funds with private capital and contributes up to 30% of the cost of a home; in exchange the borrower agrees to a limited equity return at the time of resale. It is administered jointly by NeighborWorks Montana and NeighborWorks Great Falls and is available in 22 counties. Contributes up to 30% of home cost. No monthly payment on the shared-equity portion. Available to non-first-time buyers. Statewide reach across 22 counties. Reduces first-mortgage amount and monthly payment. Los fondos provienen de State of Montana (HB819 / Montana Community Reinvestment Plan Act) blended with private funds.

HomeStretch (HB819 Shared Equity Program) es un préstamo de plusvalía compartida y se reembolsa según los términos que fija NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819). El reembolso se activa por Shared appreciation/limited equity return due at resale or transfer of the home. 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.

HomeStretch (HB819 Shared Equity Program) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Se requiere un curso de educación para compradores de vivienda, a través de HomeStretch-specific counseling session with a NeighborWorks-approved HomeStretch counselor. Requisito de residencia: Must purchase in a NeighborWorks-approved county (available in 22 Montana counties). Borrower must understand and agree to the equity/shared-appreciation share. Must use an approved first-mortgage lender and complete HomeStretch-specific counseling. County availability varies; verify on the HomeStretch map.

HomeStretch (HB819 Shared Equity Program) limita el ingreso del hogar al 140% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Borrower must be between 60% and 140% area median income (AMI) for the state or county, whichever is less; AMI for Mineral County is capped at 80%. 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.

HomeStretch (HB819 Shared Equity Program) atiende a compradores de vivienda que compran en Statewide, Montana. El programa se dirige a áreas específicas: 22 participating counties statewide split between NeighborWorks Montana and NeighborWorks Great Falls service areas.

Las solicitudes de HomeStretch (HB819 Shared Equity Program) se tramitan a través de NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Lender submits NeighborWorks pre-qualification application; borrower given 60 days to shop (two 30-day extensions available). 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.