HOME Homeownership Program

HOME Homeownership Program es un segundo préstamo diferido para compradores de vivienda en Richmond, Virginia. HOME of Virginia's HOME Homeownership Program is a regional first-time-homebuyer program providing up to $20,000 as a 0% interest deferred-payment second mortgage. HOME of VA is a HUD-certified housing counseling agency and a Virginia statewide leader in fair-housing services. Funds are sourced from HUD HOME pass-through dollars and from private and philanthropic sources. Includes wraparound services - homebuyer education, individual counseling, fair-housing assistance, and post-purchase support. Up to $20,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing in the Richmond region. Provided as a 0% interest deferred-payment second mortgage. No monthly payments. repaid upon sale, refinance with cash-out, transfer, or loss of primary-residence status. Includes free fair-housing counseling and homebuyer-education services. Los fondos provienen de HOME, Federal, Private y Philanthropic.

HOME Homeownership 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 Deferred 0% second-mortgage repayable in full upon sale, refinance with cash-out, transfer, or loss of primary-residence status. La ayuda se registra con un gravamen en posición 2. 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.

HOME 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: First-time homebuyer (no ownership of residential real estate in prior 3 years). Sobre el crédito, el programa indica: 620 minimum FICO. Se requiere un curso de educación para compradores de vivienda, a través de HOME of Virginia (HUD-certified housing counseling agency); 8-hour homebuyer education and one-on-one counseling provided in-house. Requisito de residencia: Property must be located within the Richmond region (City of Richmond, Henrico, Chesterfield, Hanover counties primarily) and be the buyer's primary residence. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen permitted by HUD HOME rules. Property must be located in the Richmond region (City of Richmond, Henrico, Chesterfield, Hanover counties primarily) and be the buyer's primary residence. Buyer must be a first-time homebuyer (no ownership in prior 3 years). Household income between $63,600 (1-person minimum) and $119,900 (8-person maximum) tracking 80% AMI for the Richmond MSA. Minimum 620 FICO. Minimum borrower contribution $1,000. 8-hour HUD-approved homebuyer education required (provided in-house by HOME of VA). Pre-purchase one-on-one counseling required.

HOME Homeownership Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income between $63,600 (1-person minimum threshold) and $119,900 (8-person maximum) at 80% AMI for Richmond MSA. Updated annually. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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.

HOME Homeownership Program limita el precio de compra así: Tracks HUD HOME maximum sales price for Richmond MSA. Los tipos de propiedad elegibles incluyen Single-family detached, Townhouse y Condominium. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

HOME Homeownership Program atiende a compradores de vivienda que compran en Richmond, Virginia.

Las solicitudes de HOME Homeownership Program se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application through HOME of Virginia; counseling appointments scheduled directly with HOME of VA staff. First-come, first-served subject to annual funding. 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.