Housing Assistance for Teachers (HAT)

Housing Assistance for Teachers (HAT)은(는) Multiple 카운티, Mississippi 주택 구매자를 위한 보조금입니다. Mississippi Critical Teacher Shortage Act grant: up to $6,000 forgivable assistance for MS-licensed K-12 public-school teachers committing to 3 years in a designated critical-shortage school district. Funded by MS Department of Education, administered by MHC. The Housing Assistance for Teachers (HAT) program was authorized by the Mississippi Critical Teacher Shortage Act of 1998 and is funded by the Mississippi Department of Education (administered by Mississippi Home Corporation). HAT provides up to $6,000 in grant assistance toward down payment, closing costs, prepaid items, and (if applicable) mortgage insurance, for licensed Mississippi public-school K-12 teachers who agree to teach for at least three years in a designated critical-shortage school district. The grant is structured as a forgivable loan: it is fully forgiven once the teacher completes three years of service. If the teacher leaves the district before the three years are up, the prorated balance becomes repayable. Borrower must contribute a minimum 1% of own funds plus one month's reserves. 재원은 State에서 나옵니다.

Housing Assistance for Teachers (HAT)은(는) 보조금 형태이므로 상환하지 않습니다. 상환 사유: Forgiven upon completion of three (3) years of teaching service in the designated critical-shortage school district. Prorated repayment owed if teacher leaves the district before completing the 3-year service requirement, or if the property is no longer owner-occupied. 지원금은 2nd Lien 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Housing Assistance for Teachers (HAT)의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: Credit score dependent on first-mortgage LTV and lender / servicer overlays. 주택 구매자 교육 이수가 필요하며, MHC-approved homebuyer education provider (Framework, eHome America, or HUD-approved counseling agency) when paired with an MHC mortgage product.을(를) 통해 받습니다. 거주 요건: Property must be located in the same Mississippi county where the teacher is employed AND that county / school district must be designated by the MS Department of Education as a critical teacher shortage area. Owner-occupied principal residence. 시민권 또는 이민 신분: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Borrower must be a licensed Mississippi K-12 public-school teacher. Borrower must agree to teach for at least three (3) years starting at the beginning of the school year in a school district designated by the MS Department of Education as a 'critical teacher shortage' district (60+ counties/districts including Adams, Amite, Attala, Benton, Bolivar, Calhoun, Carroll, Chickasaw, Choctaw, Claiborne, Clarke, Coahoma, Copiah, Covington, Desoto, Forrest, Greene, Grenada, Hancock, Harrison, Hinds, Holmes, and others). Property must be in the same county where the teacher is employed and in a critical-shortage district. Owner-occupied principal residence. 25 or 30-year fixed loan; FHA / VA / USDA-RD / Fannie Mae HFA / Freddie Mac HFA. Borrower must contribute 1% of sales price from own funds plus 1 month's reserves (reserves may be gifted; the 1% may not be gifted). No income limits when used stand-alone; income limits apply when paired with an MHC bond mortgage product.

Housing Assistance for Teachers (HAT)의 소득 한도는 다음과 같습니다: No income limits when used stand-alone. Income limits per the paired MHC mortgage product (Smart7, Easy8, Trusty10, DPA 14) when stacked. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Housing Assistance for Teachers (HAT)의 구매 가격 상한은 다음과 같습니다: No HAT-specific purchase price limit when used stand-alone; per paired MHC mortgage product when stacked. 대상 주택 유형: Single-family detached, condominium, townhouse, PUD 및 manufactured home on permanent foundation per servicer overlays. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Housing Assistance for Teachers (HAT)은(는) 지원 대상 그룹으로 재향군인, 현역 군인, 예비군 및 주방위군 대원, 유족 배우자 및 교육자을(를) 명시합니다. 여기에 이름이 나온다는 것은 프로그램이 해당 그룹을 언급한다는 뜻이며, 그 그룹에 속한다는 것만으로 신청자가 자격을 갖춘다는 뜻은 아닙니다 — 나머지 자격 요건도 그대로 적용됩니다.

Housing Assistance for Teachers (HAT)은(는) Multiple 카운티, Mississippi에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: MS Department of Education designated 'Critical Teacher Shortage' school districts (60+ districts statewide).

Housing Assistance for Teachers (HAT) 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Reserved through MHC's Lender Online portal at time of rate lock by approved participating lender, with HAT loan-agreement documentation. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.