Pima Tucson Homebuyer's Solution (PTHS)

Pima Tucson Homebuyer's Solution (PTHS) é um empréstimo perdoável para compradores de imóveis em Tucson, Arizona, administrado por Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation). The Pima Tucson Homebuyer's Solution (PTHS) is a mortgage program offered jointly by the Industrial Development Authorities of Pima County and the City of Tucson, administered by Community Investment Corporation, for homebuyers purchasing anywhere in Pima County including the City of Tucson. Borrowers receive a 30-year fixed-rate first mortgage (FHA, VA, USDA, or Conventional) plus down payment and closing-cost assistance in the form of a forgivable second mortgage; for VA loans the assistance is a grant. There is no first-time homebuyer requirement and no purchase price limit, and the assistance can fund up to 100% of the borrower's cash to close. Down payment and closing cost assistance as a forgivable second mortgage (grant for VA loans). No first-time homebuyer requirement. No purchase price limit. No minimum borrower investment required. May fund up to 100% of cash to close. Can be combined with MCC and HOME DPA. No recapture tax.

Pima Tucson Homebuyer's Solution (PTHS) é perdoado após 3 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. A ajuda é registrada como ônus em posição Second. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Pima Tucson Homebuyer's Solution (PTHS) é aberto a compradores de imóveis que vão morar no imóvel como residência principal. Sobre crédito, o programa afirma: Minimum credit score of 640 for all borrowers; must also meet FHA, VA, USDA, Fannie Mae or Freddie Mac underwriting requirements. É exigido um curso de educação para compradores de imóveis, por meio de Homebuyer education course required for all primary borrowers on the Note/Warranty Deed; eHomeAmerica is approved. Owner-occupied primary residence; buyers must occupy within 60 days of closing. Assistance may fund up to 100% of cash to close (down payment, closing costs, prepaids); no cash back to borrower. Maximum DTI 45 percent. GAP: assistance percentage differs by source/sub-program (Pima IDA lists 3, 4 or 5 percent; CIC lists 2 to 5 percent; Housing Innovation Hub PTHS Advantage lists up to 4 percent as a 30-year forgivable second). Base PTHS second is a 3-year forgivable loan; PTHS Advantage is a 30-year forgivable loan. GAP: annual funding cap, exact repayment trigger detail, and income limits by loan type/household size not published on official pages reviewed. GAP: HUD AMI year not stated on official source.

Pima Tucson Homebuyer's Solution (PTHS) limita a renda familiar a $146,503. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Pima Tucson Homebuyer's Solution (PTHS) pode ser usado para Single Family, Condo, Townhouse, 2-4 Unit e Manufactured. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Pima Tucson Homebuyer's Solution (PTHS) atende compradores de imóveis que compram em Tucson, Arizona.

As inscrições para Pima Tucson Homebuyer's Solution (PTHS) são feitas por meio de Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation), que publica as condições atuais e as etapas da inscrição no próprio site. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.