City of Flagstaff Employer Assisted Housing Program (EAH)

Ang City of Flagstaff Employer Assisted Housing Program (EAH) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Flagstaff, Arizona, na pinangangasiwaan ng City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona). The City of Flagstaff Employer Assisted Housing (EAH) Program provides up to $20,000 in interest-free, deferred down payment and/or closing cost assistance to eligible City of Flagstaff employees purchasing a home within the Flagstaff metropolitan area. Assistance is a 2-to-1 match of the buyer's own funds (up to $10,000 buyer contribution unlocks up to $20,000). Up to $10,000 is forgiven pro-rata over 10 years of continued City employment and owner-occupancy. Administered by Housing Solutions of Northern Arizona; contingent on annual City budget allocation. Up to $20,000 deferred, interest-free loan. 2-to-1 match rewards buyer savings. Up to $10,000 forgiven over 10 years. No-cost homebuyer education and counseling. Broad eligible property types incl. manufactured homes. Ang pondo ay mula sa City of Flagstaff general budget (contingent on annual allocation).

Nag-aalok ang City of Flagstaff Employer Assisted Housing Program (EAH) ng tulong na hanggang $20,000. Hinihiling ng programa na mag-ambag ang mga bibili ng bahay ng 2-to-1 match: buyer contributes up to $10,000 of own funds to unlock up to $20,000 EAH assistance. Maaaring isama ang programa sa CHAP and other down payment assistance programs allowed. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang City of Flagstaff Employer Assisted Housing Program (EAH) pagkalipas ng 10 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, cash-out refinance, termination of City of Flagstaff employment, or loss of owner-occupancy; up to $10,000 forgiven pro-rata over 10 years; remaining balance repaid on trigger. Nakatala ang tulong bilang lien sa posisyong Second. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang City of Flagstaff Employer Assisted Housing Program (EAH) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Must not have owned a home within the FMPO boundary in the last 3 years; single parents who only owned with a former spouse qualify. Tungkol sa credit, sinasabi ng programa: Must be mortgage eligible based on credit and employment; no explicit minimum. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Housing Solutions of Northern Arizona (HSNA) online homebuyer education + one-on-one HUD-certified counseling; no cost. Requirement sa paninirahan: Home must be within the Flagstaff Metropolitan Planning Organization (FMPO) boundary. Restricted to current City of Flagstaff employees in non-temporary positions with 12+ consecutive months of employment; performance evaluation must meet/exceed expectations and employee not on a performance work plan. One-time benefit per employee. Annual budget appropriation required — program may pause if unfunded. Buyer funds must be seasoned 3+ months or gift from immediate family.

Nililimitahan ng City of Flagstaff Employer Assisted Housing Program (EAH) ang kita ng sambahayan sa 125% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. No firm income limit stated for EAH (2019-era flyer references a 125% AMI table); eligibility is primarily City employment-based. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Magagamit ang City of Flagstaff Employer Assisted Housing Program (EAH) para sa Single Family, Townhouse, Condo, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Para lamang sa mga empleyado ng City of Flagstaff (non-temporary employees only) ang City of Flagstaff Employer Assisted Housing Program (EAH). Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng City of Flagstaff Employer Assisted Housing Program (EAH) ang mga bibili ng bahay sa Flagstaff, Arizona. Tinutukoy ng programa ang mga partikular na lugar: Home purchase must be within the Flagstaff Metropolitan Planning Organization (FMPO) boundary.

Dumadaan sa City of Flagstaff Housing Section (administered by Housing Solutions of Northern Arizona) ang mga aplikasyon para sa City of Flagstaff Employer Assisted Housing Program (EAH), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng First-come, first-served; contingent on annual City budget allocation. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.