Keys4You Home Loan

Keys4You Home Loan é um segundo empréstimo diferido para compradores de imóveis em Delaware, administrado por Delaware State Housing Authority (DSHA). Keys4You is a DSHA down payment and closing cost assistance second loan equal to 4% of the first mortgage loan amount, offered under both the Welcome Home (first-time buyer) and Open Door (first-time and repeat buyer) programs. It carries 0% interest with no monthly payment; repayment is deferred until refinance, sale, transfer of title, or the home ceasing to be the primary residence. It is one of DSHA's expanded DPA tiers launched with the April 2026 Delaware Mortgage Program rebrand. 4% of first mortgage as down payment/closing cost assistance. 0% interest, no monthly payment. Deferred repayment until sale/refinance/transfer/non-occupancy. Available to both first-time and repeat buyers (via Open Door). Pairs with below-market DSHA first mortgage. Os recursos vêm de DSHA funds (table-funded at closing by DSHA).

Keys4You Home Loan é diferido, então não há pagamentos até que o imóvel seja vendido ou refinanciado, ou a primeira hipoteca seja quitada. O reembolso é acionado por Principal deferred (no monthly payment) and becomes repayable upon the earliest of: refinance, sale of home, transfer of title, the property is no longer the borrower's primary residence, or 30 years from the date of the mortgage note. A ajuda é registrada como ônus em posição Second lien. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Keys4You Home Loan é aberto a compradores de imóveis que vão morar no imóvel como residência principal. Sobre crédito, o programa afirma: Minimum FICO 620. Applicants with FICO 659 or below must complete homeownership education through a Delaware HUD-approved housing counseling agency. Manufactured homes: FHA min 660 / USDA min 640. Manual underwrite (FHA only) min 660 with max 43% DTI. Requisito de residência: Property must be located in Delaware and used as the borrower's primary residence. Must be paired with a DSHA first mortgage. Borrower may use only one DPA second loan program. Lender must deliver second-loan post-closing packet to DSHA within 1-2 business days of closing. DTI, max household size, max liquid assets, min contribution, new-construction eligibility, HOA, and acreage limits not specified on official sources reviewed (governed by AUS and Master Servicer/agency product guidelines). Exact Keys4You-specific term sheet/addendum not yet published separately; details confirmed from the DSHA Homeownership Loans page and April 2026 rebrand press release.

Keys4You Home Loan define seu limite de renda assim: Welcome Home limits (by household size): New Castle County $119,400 (1-2 person) / $137,310 (3+ person); Kent & Sussex $108,800 (1-2) / $125,120 (3+). Targeted-area Welcome Home limits: New Castle $143,280 / $167,160; Kent & Sussex $130,560 / $152,320. Open Door limits: New Castle $143,280 (1-2) / $179,100 (3+); Kent & Sussex $130,560 (1-2) / $163,200 (3+). Income counted for those on the note and/or mortgage only. O limite vale para a renda total da família, não só a do mutuário. 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.

Keys4You Home Loan limita o preço de compra a $617,241. Os tipos de imóvel elegíveis incluem Single-family detached, Townhouse/row house/patio home (attached), 1-4 unit dwellings, Condominium e Manufactured home (FHA or USDA financing only). Casas pré-fabricadas são elegíveis.

Keys4You Home Loan atende compradores de imóveis que compram em qualquer lugar de Delaware. O programa é voltado para áreas específicas: Federally designated targeted-area census tracts qualify for higher income and purchase-price limits and waive the first-time-homebuyer requirement under Welcome Home. Tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11. Bairros prioritários: Census tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11.

As inscrições para Keys4You Home Loan são feitas por meio de Delaware State Housing Authority (DSHA), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de First-come, first-served via DSHA Mitas online reservation system (https://mitas.destatehousing.com); reservable Mon-Fri 10:00 AM-5:30 PM DE time. 60-day reservation/rate-lock period from reservation to purchase by Master Servicer. 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.