WVHDF Movin' Up Program

WVHDF Movin' Up Program es una primera hipoteca para compradores de vivienda en West Virginia, a cargo de West Virginia Housing Development Fund (WVHDF). The WVHDF Movin' Up Program provides fixed-rate first-mortgage financing to moderate-income first-time and repeat home buyers, with no first-time homebuyer requirement, making it a strong option for current homeowners who want a change or first-time buyers who exceed Homeownership Program income limits. It uses a single statewide income limit of $171,120 and a statewide sales-price limit of $350,000, and provides access to the Fund's Low Down Home Loan for down payment/closing cost assistance. A Movin' Up Special tier offers a reduced rate and lower-cost PMI for borrowers at or below 80% of census-tract Area Median Income. No first-time homebuyer requirement (repeat buyers welcome). Generous statewide income limit of $171,120. Statewide sales price limit of $350,000. No lot size/acreage limit. Access to the Low Down Home Loan (up to $15,000 at 2%). Movin' Up Special offers reduced rate and lower-cost PMI for 80% AMI borrowers. Accepts FHA, VA, USDA, and conventional/PMI loans. Los fondos provienen de WVHDF (Movin' Up is a Fund mortgage product; statewide income limit and no first-time buyer requirement indicate it is not financed under the same tax-exempt bond restrictions as the Homeownership Program).

WVHDF Movin' Up Program es una primera hipoteca y se reembolsa según los términos que fija West Virginia Housing Development Fund (WVHDF). 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.

WVHDF Movin' Up Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: No published hard minimum; generally low- to mid-600s can be acceptable subject to overall qualification (per Fund FAQ for its loan programs). Se requiere un curso de educación para compradores de vivienda, a través de Homebuyer Education/Counseling required on conventionally insured or uninsured loans (free Fannie Mae HomeView course at fanniemae.com/education). On government-insured loans (FHA, VA, USDA), follow the insuring agency's homebuyer education guidelines. HUD-certified counseling agencies also available. Requisito de residencia: Home must be purchased in West Virginia. No first-time buyer requirement. Construction financing not available. No cosigners. Singlewide manufactured homes not eligible (doublewide only). Min credit score, max DTI, max liquid assets, rate lock period, points/fees, and annual funding cap were not published on official sources (30-year fixed inferred from the Fund's standard product structure). Recapture status for Movin' Up not explicitly addressed in the recapture FAQ (which covers the Homeownership Program); marked false based on absence of bond-program restrictions, but should be confirmed with the Fund.

WVHDF Movin' Up Program limita el ingreso del hogar a $171,120. 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.

WVHDF Movin' Up Program limita el precio de compra a $350,000. Los tipos de propiedad elegibles incluyen single-family detached, townhome, condominium (approved), unit in approved Planned Unit Development (PUD) y doublewide manufactured home (post-1976, new and existing). La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

WVHDF Movin' Up Program menciona a veteranos 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.

WVHDF Movin' Up Program atiende a compradores de vivienda que compran en cualquier lugar de West Virginia. El programa se dirige a áreas específicas: While Movin' Up uses a single statewide income limit, the Movin' Up Special tier is targeted to census tracts where the borrower's qualifying income is at or below 80% of Area Median Income.

Las solicitudes de WVHDF Movin' Up Program se tramitan a través de West Virginia Housing Development Fund (WVHDF), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Loans are reserved/locked by WVHDF Partner Lenders through the PowerLender system (wvhdf.powerlender.com). 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.