Worker Advantage Program

Worker Advantage Program es un segundo préstamo diferido para compradores de vivienda en Nevada, a cargo de Nevada Housing Division (NHD). The Worker Advantage Program, created under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025), provides $20,000 in down payment assistance to Nevada's essential workers in healthcare, education, public safety, and construction. The assistance is a no-interest, no-payment, non-forgivable 30-year second mortgage that can be applied to down payment/closing costs or used to buy down the interest rate by 2% or 4%. No first-time-buyer requirement, but applicants cannot have previously used Home Is Possible and cannot own other property. $20,000 in down payment assistance. 0% interest, no monthly payments. May be used for down payment/closing costs OR a permanent 2%/4% rate buydown. No first-time homebuyer requirement. Statewide availability. Available to repeat buyers in essential-worker professions. Los fondos provienen de State funding under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025 Legislative Session); $18,000,000 total allocation to assist ~900 households.

Worker Advantage Program ofrece hasta $20,000 de ayuda. Niveles de ayuda: Option 1: Apply full $20,000 toward down payment/closing costs. Option 2: Pay 2% or 4% discount points to permanently buy down the interest rate, with any remaining funds toward down payment/closing costs. Los montos son los máximos publicados por el programa, no una oferta: Nevada Housing Division (NHD) determina cualquier ayuda individual.

Worker Advantage Program 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 Repayable in full upon sale, transfer, satisfaction of the first mortgage, refinancing, or when the borrower ceases to occupy the property as primary residence; otherwise deferred for the 30-year term (never forgiven). 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.

Worker Advantage Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Minimum 640 FICO (mid score); 680 for manufactured homes. Per NHD rate/offerings chart; follow Agency/GSE if higher. Se requiere un curso de educación para compradores de vivienda, a través de Each borrower (anyone on note/deed, including NPS on title) must complete approved homebuyer education: NHD/Freddie Mac CreditSmart, Community Services of Nevada, Chicanos Por La Causa, Fannie Mae HomeView, Framework, Money Management International, Neighborhood Housing Services of Southern Nevada, or other HUD-approved agencies. Requisito de residencia: At least one occupying borrower must have been a Nevada resident for at least 6 months prior to loan reservation date (verified via NV Driver's License/State ID). Ciudadanía o situación migratoria: Follow Agency or GSE citizenship requirements. Borrower limited to using the program one time. Buyer must occupy within 60 days of closing. Borrower and spouse may not own other property. Previous Home Is Possible users ineligible. A Fraud Report (with 3-year ownership history) is required for all borrowers and a Real Property Search is required for non-purchasing spouses. Lender must obtain a 'Clear to Close' letter from NHD at least 5 business days before closing.

Worker Advantage Program limita el ingreso del hogar al 150% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income up to 150% AMI; single limit applies to all household sizes per county: Carson City $139,050; Churchill $152,850; Clark $142,350; Douglas $163,200; Elko $165,450; Esmeralda $158,850; Eureka $120,750; Humboldt $146,250; Lander $161,400; Lincoln $142,950; Lyon $141,900; Mineral $96,150; Nye $109,500; Pershing $154,200; Storey $167,700; Washoe $167,700; White Pine $156,750. Qualifying income includes borrowers, spouses, and all household members 18+ (related or unrelated). 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.

Worker Advantage Program limita el precio de compra a $806,500. Los tipos de propiedad elegibles incluyen Single Family, Condo, Townhouse y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Worker Advantage Program menciona a educadores, agentes del orden público, bomberos y trabajadores de la salud 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.

Worker Advantage Program atiende a compradores de vivienda que compran en cualquier lugar de Nevada.

Las solicitudes de Worker Advantage Program se tramitan a través de Nevada Housing Division (NHD), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de eHousingPlus eHPortal (first-come, first-served revolving pool); reserved through Home Is Possible certified 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.