Keystone Advantage Assistance Loan Program

Keystone Advantage Assistance Loan Program es una segunda hipoteca para compradores de vivienda en Statewide, Pennsylvania, a cargo de Pennsylvania Housing Finance Agency. The Keystone Advantage Assistance Loan Program provides a second mortgage to help with downpayment and closing costs on a home purchase. Qualified borrowers can receive up to 4% of the purchase price or market value, or $6,000 (whichever is less). The loan carries 0% interest and is amortized over a 10-year term. It is paired with a PHFA first mortgage (HFA Preferred, Keystone Government, or Keystone Home Loan). Up to 4% of price or $6,000 (lesser) toward downpayment and closing costs. 0% interest. 10-year amortized repayment. Pairs with conventional, FHA, VA, or RD first mortgages. Statewide availability.

Keystone Advantage Assistance Loan Program ofrece entre $500 y $6,000 de ayuda. El programa se puede combinar con Access Modification Loan Program. Los montos son los máximos publicados por el programa, no una oferta: Pennsylvania Housing Finance Agency determina cualquier ayuda individual.

Keystone Advantage Assistance Loan Program es una segunda hipoteca y se reembolsa según los términos que fija Pennsylvania Housing Finance Agency. El reembolso se activa por Repaid in monthly installments; amortized over a 10-year term at 0% interest (second mortgage repaid concurrently with the first mortgage). 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.

Keystone Advantage Assistance Loan Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: All borrowers must have a minimum credit score of 660. Se requiere un curso de educación para compradores de vivienda, a través de PHFA-approved counseling agencies; online education via PHFA (phfatraining.org) or Framework HomeView. Face-to-face required for FICO below 680 and for borrowers obtaining the K-Gov assistance loan. Minimum loan amount $500. Liquid assets may not exceed $50,000 after deducting funds needed to close (excludes penalty-restricted retirement accounts). Assistance limited to minimum required downpayment and/or closing costs.

Keystone Advantage Assistance Loan Program fija su límite de ingresos así: Borrowers must meet the income limits of the underlying PHFA first mortgage program. PHFA uses county-by-county income limit tables (Keystone Home Loan/Keystone Government Appendix A; HFA Preferred Appendix B). 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.

Keystone Advantage Assistance Loan Program se puede usar para Single Family, 2-4 Unit, Condo y Manufactured. Las viviendas prefabricadas son elegibles.

Keystone Advantage Assistance Loan Program atiende a compradores de vivienda que compran en Statewide, Pennsylvania.

Las solicitudes de Keystone Advantage Assistance Loan Program se tramitan a través de Pennsylvania Housing Finance Agency, 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.