James City County First-Time Homebuyer Program

James City County First-Time Homebuyer Program es un segundo préstamo diferido para compradores de vivienda en Williamsburg, Virginia, a cargo de James City County Office of Housing. The James City County Office of Housing First-Time Homebuyer Program offers homeowner education classes, credit report reviews, and housing counseling to assist County residents and the local workforce in purchasing affordable housing. The program assists qualified buyers with down payment and closing cost assistance, and in designated areas offers low-interest-rate financing. Hampton Roads Loan Fund Partnership HOME funds are available to assist with purchases throughout the County and the City of Williamsburg. Down payment assistance. Closing cost assistance. Free homebuyer education classes. Credit report review. Pre-purchase housing counseling. Low-interest-rate financing in designated areas. Los fondos provienen de Federal HOME Investment Partnerships funds via Hampton Roads Planning District Commission - Hampton Roads Loan Fund Partnership (HRLFP); may be combined with Virginia Housing grants and SPARC reduced-rate financing.

James City County First-Time Homebuyer 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 Sale, transfer, refinance, or loss of owner-occupancy may trigger repayment under the underlying Hampton Roads Loan Fund Partnership / HOME deferred loan terms (specific term not stated on JCC primary source). 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.

James City County First-Time Homebuyer 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: Treated as first-time homebuyer if applicant has not owned a home in the last 3 years. Sobre el crédito, el programa indica: Credit score of 620 or higher. Se requiere un curso de educación para compradores de vivienda, a través de James City County Office of Housing homebuyer education classes; pre-purchase housing counseling provided by the Office of Housing. Requisito de residencia: Program serves James City County residents and the local workforce; assistance is to purchase homes throughout James City County and the City of Williamsburg. Must not have owned a home in the last 3 years; household income at or below 80% AMI; credit score 620+; stable income sufficient for the mortgage payment. DPA sourced from Hampton Roads Loan Fund Partnership HOME funds; may combine with Virginia Housing grants and SPARC.

James City County First-Time Homebuyer 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 may not exceed 80% of Area Median Income (HUD AMI for the Virginia Beach-Norfolk-Newport News, VA-NC HUD metro). Specific per-household-size dollar limits not published on the JCC program page; determined at application using current HUD income limits. 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.

James City County First-Time Homebuyer Program limita el precio de compra así: Subject to HRLFP / HOME maximum purchase price limits; specific cap not stated on JCC primary source. Los tipos de propiedad elegibles incluyen Single Family, Townhouse y Condo.

James City County First-Time Homebuyer Program atiende a compradores de vivienda que compran en Williamsburg, Virginia. El programa se dirige a áreas específicas: In designated areas the program offers low-interest-rate financing in addition to down payment/closing-cost assistance.

Las solicitudes de James City County First-Time Homebuyer Program se tramitan a través de James City County Office of Housing, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application submitted to James City County Office of Housing (online application); subject to availability of HRLFP HOME funds. 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.