Community Partners Loan Pool (CPLP)

Community Partners Loan Pool (CPLP) es un segundo préstamo diferido para compradores de vivienda en Statewide, North Carolina. Community Partners Loan Pool (CPLP) is a statewide secondary-market funded affordable mortgage and DPA program for low- and moderate-income (≤80% AMI) first-time homebuyers in North Carolina. CPLP provides up to 20% of the sales price (typically capped at $30,000) as a 0%, deferred-payment second mortgage. CPLP is administered by DreamKey Partners, a Charlotte-based CDFI, in partnership with NCHFA, and is funded primarily by federal HOME funds and other affordable-lending capital sources. The Community Partners Loan Pool (CPLP) provides up to 20% of the sales price (typically $30,000 max, varying by funding cycle and county) as a 0%-interest deferred second mortgage to low- and moderate-income first-time homebuyers across North Carolina. The CPLP second is deferred (no monthly payments, no interest accrual) and becomes due only at sale, refinance, transfer, or end of loan term (typically the same 30-year term as the first mortgage). When paired with the NC Home Advantage Mortgage and the $15K NC 1st Home Advantage DPA, the borrower can stack up to ~$45K in soft-second financing. Los fondos provienen de Federal HOME Investment Partnership funds via NCHFA; CDFI capital aggregated by DreamKey Partners; participating financial institutions (Self-Help Credit Union historically a major funder).

Community Partners Loan Pool (CPLP) ofrece una ayuda equivalente al 20% del precio de compra, según lo fija el programa. El programa pide a los compradores de vivienda aportar $1,000 minimum borrower contribution from own funds typical; gift funds and seller credits do not satisfy the minimum. El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

Community Partners Loan Pool (CPLP) 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 Full balance due at sale, refinance (without subordination), title transfer, or end of first-mortgage term (typically 30 years) y HOME affordability period (5/10/15 years) recapture rules apply if borrower no longer occupies as primary residence during that period. 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.

Community Partners Loan Pool (CPLP) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: 640 minimum FICO (per NCHFA NC Home Advantage Mortgage pairing); some first-mortgage products may allow lower. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved homebuyer education required; DreamKey Partners (formerly CCDC), Prosperity Unlimited, OnTrack WNC, Twin Rivers Opportunities, and other NCHFA-approved housing counseling agencies. Requisito de residencia: Property must be in North Carolina and occupied as principal residence; HOME affordability period (5-15 years depending on subsidy amount) requires continued primary-residence occupancy. Ciudadanía o situación migratoria: U.S. citizen or qualified non-citizen per HOME program rules and first-mortgage product. Borrower must be a first-time homebuyer (no ownership interest in a principal residence in past 3 years) at or below 80% Area Median Income (AMI) for the property's county per HUD income limits. Minimum borrower contribution typically $1,000 of own funds. Must complete HUD-approved homebuyer education. Property must be primary residence. CPLP is funded primarily by NC HOME Investment Partnership funds (federal HOME) administered through NCHFA and DreamKey Partners as a sub-recipient/intermediary. HOME affordability period applies (typically 5/10/15 years depending on assistance amount) - if borrower sells or moves out during the affordability period, full balance plus potential recapture per HOME rules. Must be paired with an approved first mortgage (NCHFA NC Home Advantage Mortgage, USDA 502, FHA, VA, or conventional).

Community Partners Loan Pool (CPLP) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Income limits set at 80% of HUD-published Area Median Income (AMI) for the property's county and household size, updated annually by HUD. 2025 NC county 4-person 80% AMI ranges from approximately $63,650 (rural counties such as Bertie, Robeson) to $105,300 (Raleigh-Cary MSA, Durham-Chapel Hill MSA, Charlotte-Concord-Gastonia MSA). Lookup property-specific limit on the NCHFA / HUD limits table or via the participating lender. 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.

Community Partners Loan Pool (CPLP) limita el precio de compra a $342,000. Los tipos de propiedad elegibles incluyen Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied y new and existing. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Community Partners Loan Pool (CPLP) menciona a miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional, cónyuges sobrevivientes, agentes del orden público, bomberos, trabajadores de la salud y compradores de vivienda con discapacidades 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.

Community Partners Loan Pool (CPLP) atiende a compradores de vivienda que compran en Statewide, North Carolina. El programa se dirige a áreas específicas: Available in all 100 NC counties; availability and amounts may vary by funding cycle and HOME participating jurisdiction. Some counties operate their own HOME PJ programs in parallel.

Las solicitudes de Community Partners Loan Pool (CPLP) 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 Lender reserves CPLP funds via DreamKey Partners' lender portal alongside NCHFA 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.