Launchpad (including Launchpad for First-Time Homebuyers)

Launchpad (including Launchpad for First-Time Homebuyers) es un segundo préstamo diferido para compradores de vivienda en Nevada, a cargo de Nevada Rural Housing (NRH). Launchpad, introduced by Nevada Rural Housing in 2024, delivers a below-market first-mortgage rate plus down payment assistance for rural Nevada homebuyers. Standard Launchpad offers 3% or 5% assistance (no first-time-buyer requirement); Launchpad for First-Time Homebuyers offers 2% or 4% assistance for buyers who have not owned a primary residence in three years (waived for Veterans and targeted-area purchases). Assistance is a 0% interest, 30-year deferred, non-forgivable second mortgage repayable on sale, refinance, non-occupancy, or at maturity. Available in all 15 rural counties plus the rural parts of Clark and Washoe. Below-market first-mortgage rate. 2%, 3%, 4%, or 5% down payment assistance. 0% interest, no monthly payments on the second mortgage. First-time-buyer requirement waived for Veterans and targeted-area buyers. Available across rural Nevada including rural Clark and Washoe. Los fondos provienen de Nevada Rural Housing homeownership program funds (remains open until funding fully obligated).

Launchpad (including Launchpad for First-Time Homebuyers) 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 30-year deferred second mortgage with no interest; never forgiven. Repayable if the borrower sells, refinances, ceases to live in the property, or at the end of the 30-year term. 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.

Launchpad (including Launchpad for First-Time Homebuyers) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Minimum 640 (660 for manufactured homes). Se requiere un curso de educación para compradores de vivienda, a través de NRH-approved homebuyer education (Homebuyer 101) - free. Requisito de residencia: No current Nevada residency requirement; home must be occupied as primary residence within 60 days of closing. Property must be in NRH's rural jurisdiction (population under 150,000); use HALMap.org to confirm address eligibility. Conventional loans are limited to 80% AMI and may carry lower income limits.

Launchpad (including Launchpad for First-Time Homebuyers) limita el ingreso del hogar a $117,300. 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.

Launchpad (including Launchpad for First-Time Homebuyers) limita el precio de compra así: Launchpad: no program purchase-price limit (loan-agency limits apply). Launchpad for First-Time Homebuyers non-targeted: Carson City $596,945; Douglas $746,181; Storey $656,640; Washoe $656,640; all other counties $544,232. Targeted areas higher (up to $802,560 in Washoe). Los tipos de propiedad elegibles incluyen Single Family, 2-4 Unit, Condo, Townhouse y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Launchpad (including Launchpad for First-Time Homebuyers) atiende a compradores de vivienda que compran en cualquier lugar de Nevada. El programa se dirige a áreas específicas: HUD Qualified Census Tracts (targeted areas) for Launchpad for First-Time Homebuyers allow higher purchase price and income limits and waive the first-time homebuyer requirement. Tracts include Clark (57.04, 57.03, 60.01, 22.01, 22.07, 50.10, 78.01); Lyon (9602.06, 9609.01); Nye (9604.11, 9604.13, 9604.14); Washoe (19.01, 19.03, 27.03).

Las solicitudes de Launchpad (including Launchpad for First-Time Homebuyers) se tramitan a través de Nevada Rural Housing (NRH), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de eHousingPlus (Nevada Rural Housing Authority); reserved/locked by participating lenders. 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.