Buy in Nye Homeownership Program

Buy in Nye Homeownership Program es un préstamo condonable para compradores de vivienda en Condado de Nye, Nevada, a cargo de Nevada Rural Housing (Nevada Rural Housing Authority). A limited-time, place-based down payment assistance program offered exclusively in Nye County, Nevada, funded in part by Nye County (originally seeded with $400,000 of Nye County American Rescue Plan Act dollars). It pairs a 30-year first mortgage at a below-market interest rate with one of two forgivable DPA options and can be combined with Nevada Rural Housing's Mortgage Credit Certificate. Geared to first-time, rural homebuyers purchasing single-family homes, townhomes, condos, or manufactured homes (including eligible new-construction communities) in Nye County. Two forgivable DPA options: $16,000 or $5,000. Below-market 30-year fixed first mortgage. $5,000 option carries a rate ~1.5% below market; $16,000 option at or slightly below market. May be paired with the Mortgage Credit Certificate (MCC) for ongoing federal tax credit. Exclusive to Nye County buyers. Los fondos provienen de Nye County (American Rescue Plan Act funds; Nye County Commission dedicated $400,000) administered by Nevada Rural Housing.

Buy in Nye Homeownership Program ofrece entre $5,000 y $16,000 de ayuda. Niveles de ayuda: Option 1: $16,000 DPA with first-mortgage rate at or slightly below market y Option 2: $5,000 DPA with first-mortgage rate ~1.5% below market. El programa se puede combinar con Nevada Rural Housing Mortgage Credit Certificate (MCC). Los montos son los máximos publicados por el programa, no una oferta: Nevada Rural Housing (Nevada Rural Housing Authority) determina cualquier ayuda individual.

Buy in Nye Homeownership Program es un préstamo condonable, así que el saldo se perdona una vez que se cumplen las condiciones del programa. La ayuda se registra con un gravamen en posición Second (subordinate to first 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.

Buy in Nye Homeownership Program 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: Defined as not having owned a home within the past three years. Sobre el crédito, el programa indica: Minimum credit score starts at 640. Se requiere un curso de educación para compradores de vivienda. Requisito de residencia: At least one borrower must have a minimum six-month Nevada residency. At least one borrower must have a minimum six-month Nevada residency; must be a first-time/rural homebuyer (no ownership in past three years); homebuyer education required; purchase must be in Nye County.

Buy in Nye Homeownership Program fija su límite de ingresos así: Income limits based on 300% of the Federal Poverty Guidelines (FPG) and household size; for each additional household member add $15,420. 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.

Buy in Nye Homeownership Program se puede usar para Single Family, Townhouse, Condo y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Buy in Nye Homeownership Program atiende a compradores de vivienda que compran en Condado de Nye, Nevada. El programa se dirige a áreas específicas: Available only for home purchases in Nye County, Nevada.

Las solicitudes de Buy in Nye Homeownership Program se tramitan a través de Nevada Rural Housing (Nevada Rural Housing Authority), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. 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.