RI AnchorHome

RI AnchorHome es una primera hipoteca para compradores de vivienda en Rhode Island, a cargo de Rhode Island Office of the General Treasurer. RI AnchorHome is an initiative of the Rhode Island Office of the General Treasurer that uses strategic State deposits at participating local financial institutions to help first-time homebuyers obtain more affordable conventional mortgages. When a qualifying first-time buyer is approved, the State deposits matching funds at the same institution, giving the lender flexibility to offer a lower interest rate and eliminate private mortgage insurance (PMI). The mortgage is issued and serviced entirely by the lender, and the borrower has no obligations to the Treasury. Up to $80 million in State deposits may be deployed statewide. Traditional 30-year fixed mortgage through a trusted local lender. Lower monthly costs from reduced interest rates. No private mortgage insurance (PMI). Other DPA and closing-cost assistance programs may be layered. No obligation to the State Treasury. Los fondos provienen de State of Rhode Island deposits (Treasury Community Deposit Program); up to $80 million in State deposits may be deployed statewide to support qualifying loans.

RI AnchorHome es una primera hipoteca y se reembolsa según los términos que fija Rhode Island Office of the General Treasurer. La ayuda se registra con un gravamen en posición first. 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.

RI AnchorHome 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. Sobre el crédito, el programa indica: Set by the participating lender; not published by Treasury. Se requiere un curso de educación para compradores de vivienda, a través de Required homeownership counseling (provider arranged through participating lender); specific providers not named on Treasury page. Requisito de residencia: Property must be a primary residence in Rhode Island. Pilot program launched December 2025 in partnership with Navigant Credit Union, Coastal 1, and Washington Trust. Borrowers may not own other residential property at time of closing. Homeownership counseling required. Income capped at 110% of statewide income limits. Minimum credit score and DTI are set by the participating lender and are not published by Treasury. NOTE: dollar-level income table, credit score, and DTI left null because Treasury's primary page does not publish them; verify with a participating lender.

RI AnchorHome limita el ingreso del hogar al 110% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income capped at 110% of statewide income limits. Specific dollar thresholds are set/applied by participating lenders; Treasury page states the cap as 110% of statewide income limits but does not publish a dollar table by household size. 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.

RI AnchorHome limita el precio de compra así: No published purchase-price cap; loan amount is capped at $525,000 (single-family) / $575,000 (two-family). Los tipos de propiedad elegibles incluyen single_family y two_family.

RI AnchorHome atiende a compradores de vivienda que compran en cualquier lugar de Rhode Island.

Las solicitudes de RI AnchorHome se tramitan a través de Rhode Island Office of the General Treasurer, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Borrower works directly with a participating financial institution; State deposits matching funds into an account at the same institution upon loan approval. 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.