Equity Builder Program (EBP)

Equity Builder Program (EBP) es un préstamo condonable para compradores de vivienda en Statewide, New Hampshire, a cargo de Federal Home Loan Bank of Boston (FHLBank Boston). The Equity Builder Program (EBP) is FHLBank Boston's homeownership set-aside grant for first-time homebuyers earning up to 80% of area median income. Grants - delivered through approved member banks and credit unions in New Hampshire - help with down payment, closing costs, an interest-rate buydown of up to 2 points, rehabilitation costs tied to the purchase, and up to $500 of homebuyer counseling. The grant is forgivable over five years and is repaid on a pro-rated basis only if the home is sold or no longer occupied as the primary residence during that period. Down-payment and closing-cost grant. Forgivable after 5 years. Up to 2-point interest-rate buydown. Can fund purchase-related rehab. Up to $500 toward homebuyer counseling. Los fondos provienen de FHLBank Boston Affordable Housing Program (AHP) set-aside funds.

Equity Builder Program (EBP) ofrece hasta $25,000 de ayuda. Niveles de ayuda: Per-household maximum set annually by FHLBank Boston. Member institution enrollment cap graduated: $160,000 for the first two funding-release periods, increasing to a maximum of $320,000 for the remaining releases. Los montos son los máximos publicados por el programa, no una oferta: Federal Home Loan Bank of Boston (FHLBank Boston) determina cualquier ayuda individual.

Equity Builder Program (EBP) 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 Sale or transfer (or ceasing to occupy as primary residence) within 5 years of closing; repayment pro-rated in favor of the homeowner and only owed if the calculated repayment exceeds $2,500. La ayuda se registra con un gravamen en posición Subordinate (grant secured by retention agreement/mortgage). 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.

Equity Builder Program (EBP) está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Comprador de vivienda por primera vez” suele significar no haber sido dueño de una vivienda en los últimos tres años, pero el programa fija su propia definición. Se requiere un curso de educación para compradores de vivienda, a través de FHLBank Boston-approved counseling organization. NH-approved: AHEAD, Inc.; Community Home Solutions; GreenPath Financial Wellness; NeighborWorks Southern New Hampshire; New Hampshire Housing Finance Authority. First-time homebuyers only. No cash back to the buyer in excess of $250; cannot reimburse earnest-money deposits. A signed offer/P&S with a property address is required to reserve funds; final P&S within 30 days. Per-household maximum is set annually and varies by year - confirm current amount with the member bank (max shown reflects order-of-magnitude set-aside maximum, not a guaranteed amount).

Equity Builder Program (EBP) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income may not exceed 80% of area median income (AMI); AMI derived from the specific state/city/town of the property. ALL income for ALL household members occupying the property is 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.

Equity Builder Program (EBP) se puede usar para Single Family, Condo y 2-4 Unit.

Equity Builder Program (EBP) atiende a compradores de vivienda que compran en Statewide, New Hampshire.

Las solicitudes de Equity Builder Program (EBP) se tramitan a través de Federal Home Loan Bank of Boston (FHLBank Boston), 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; member institutions reserve grants through FHLBank Boston's Community Lending online system once the buyer has an executed offer/Purchase & Sales agreement. 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.