Welcome Home: First State Home Loan (DSHA Welcome Home)

Welcome Home: First State Home Loan (DSHA Welcome Home) é um segundo empréstimo diferido para compradores de imóveis em Statewide, Delaware. DSHA's Welcome Home is the first-time-homebuyer-only bundled mortgage product launched as part of DSHA's April 2026 Delaware Mortgage Program rebrand. It pairs a Smart Start 30-year fixed-rate first mortgage (funded by DSHA tax-exempt mortgage revenue bonds, typically priced slightly below the Open Door rate) with the First State Home Loan, a 0%-interest deferred second mortgage equal to 3% of the first-mortgage loan amount used for down payment and closing-cost assistance. Welcome Home has tighter income limits than Open Door because it is reserved for first-time buyers, and it offers a slightly better first-mortgage rate plus access to richer DPA tiers (Keys4You 4%, Take5 5%, Diamond in the Rough 5%). The second mortgage requires no monthly payment and is fully deferred until refinance, sale, transfer of title, or loss of primary-residence status. Bundled DSHA product designed exclusively for FIRST-TIME homebuyers (Welcome Home umbrella). Competitive 30-year fixed-rate Smart Start first mortgage at a slightly better rate than Open Door, plus First State Home Loan: a 0%-interest, deferred-payment second mortgage equal to 3% of the first mortgage loan amount applied to down payment and/or closing costs. No monthly payment on the second. balance due only on refinance, sale, transfer of title, or when the home is no longer the primary residence. Welcome Home borrowers also have access to richer DPA tiers: Keys4You (4%), Take5 (5%), and Diamond in the Rough (5% with FHA 203(k) renovation). Os recursos vêm de State e Bond.

Welcome Home: First State Home Loan (DSHA Welcome Home) 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 Refinance, sale of home, transfer of title, or property no longer used as primary residence (whichever comes first). No monthly payments due during normal occupancy. A ajuda é registrada como ônus em posição 2nd 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.

Welcome Home: First State Home Loan (DSHA Welcome Home) é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: First-time-homebuyer (3-year non-ownership) requirement waived for: (1) qualified veterans (per Heroes Earnings Assistance and Relief Tax Act of 2008); (2) purchases located in IRC Section 143 federally designated targeted census tracts in Delaware. Sobre crédito, o programa afirma: 620 minimum FICO. Borrowers with credit scores 659 or below MUST complete DSHA-approved housing counseling. É exigido um curso de educação para compradores de imóveis, por meio de DSHA-approved housing counseling agencies; required for borrowers with FICO 620-659 and recommended for all (HUD-approved counselors). Requisito de residência: Property must be located in Delaware (any county) and used as the borrower's principal residence within 60 days of closing. Cidadania ou situação imigratória: U.S. citizen, permanent resident alien, or qualified non-citizen per the underlying loan product (FHA/VA/USDA/Conventional) requirements. Borrower must be a FIRST-TIME homebuyer (no ownership interest in a primary residence within the past 3 years). Must obtain a DSHA Smart Start first mortgage (30-year fixed) through a DSHA Preferred Lender. Annual household income must not exceed Welcome Home county/household-size limits (see income_limit_description). Property must be in Delaware and used as primary residence. Borrowers with FICO 620-659 must complete pre-purchase housing counseling. Federal IRS recapture tax may apply (mortgage revenue bond program). FTHB requirement waived for veterans (per Heroes Earnings Assistance and Relief Tax Act) and for purchases in IRC Section 143 federally targeted areas.

Welcome Home: First State Home Loan (DSHA Welcome Home) limita a renda familiar a $167,160. 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.

Welcome Home: First State Home Loan (DSHA Welcome Home) limita o preço de compra a $754,406. Os tipos de imóvel elegíveis incluem Single-family detached, attached townhouse, condominium (on FHA/VA/Fannie/Freddie-approved project lists), planned unit development (PUD), and 1-2 unit owner-occupied properties (per first-mortgage product rules). Manufactured housing eligible per FHA/VA/USDA standards. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Welcome Home: First State Home Loan (DSHA Welcome Home) atende compradores de imóveis que compram em Statewide, Delaware. O programa é voltado para áreas específicas: Federally designated targeted areas under IRC Section 143 receive higher income limits, higher purchase price limits, and waived first-time-homebuyer rules. Targeted 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 Welcome Home: First State Home Loan (DSHA Welcome Home) são feitas por meio de o órgão que administra o programa, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Reserved by DSHA Preferred Lender via the DSHA Lender Online portal at the time of first-mortgage reservation/lock; subject to bond allocation availability. 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.