Cottonwood Employer Assisted Housing Program

Ang Cottonwood Employer Assisted Housing Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Cottonwood, Arizona. Employer Assisted Housing (EAH) variant of the City of Cottonwood's Cottonwood Homeownership Program (CHP). Eligible employees of a partnering Cottonwood-area employer can receive a 3:1 city match (up to $15,000) on funds the buyer contributes toward down payment and closing costs, with the partnering employer contributing alongside the city. Designed to retain workforce in Cottonwood and the surrounding Verde Valley. Up to $15,000 in down payment / closing cost assistance for employees of partnering employers within the City of Cottonwood, structured as a 3:1 match of the buyer's contribution. Combined with companion CHP funds, total Cottonwood assistance can reach up to $40,000 for qualifying first-time Verde Valley homebuyers. Ang pondo ay mula sa Local Government at Employer Match.

Ipinagpaliban ang Cottonwood Employer Assisted Housing Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, transfer, refinance with cash-out, or loss of owner-occupancy at repaid via equity-share / shared-appreciation formula. Nakatala ang tulong bilang lien sa posisyong 2. 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 Cottonwood Employer Assisted Housing Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Tungkol sa credit, sinasabi ng programa: Mortgage-eligible based on credit and employment (no published minimum score). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Housing Solutions of Northern Arizona. Requirement sa paninirahan: Must be employed by a partnering employer within the City of Cottonwood; must purchase home in the Verde Valley. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen (per mortgage requirements). Employer-assisted variant of the Cottonwood Homeownership Program. Buyer must be a current employee of a partnering employer that has signed an EAH agreement with the City of Cottonwood and contributes a matching share toward the assistance. Typical partnering employers include the City of Cottonwood, Mingus Union High School District, Cottonwood-Oak Creek School District, Verde Valley Medical Center / Northern Arizona Healthcare, Yavapai College Verde Valley campus, and other major Cottonwood-area employers willing to sign an EAH MOU. Employer eligibility verified by HSNA. Mandatory homebuyer counseling through HSNA. Home must be a primary residence in the Verde Valley. City of Cottonwood is repaid via an equity-share / shared-appreciation formula upon sale, transfer, refinance with cash-out, or loss of owner-occupancy. Contact: Angela Koder, HSNA Housing Program Manager (928-214-7456 / angelak@housingnaz.org).

Nililimitahan ng Cottonwood Employer Assisted Housing Program ang kita ng sambahayan sa 120% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Low-to-moderate income workforce; aligned with CHP at approximately 80%-120% AMI for Yavapai County (4-person household figures up to ~$134,550 per the program income table). Final eligibility confirmed at counseling. 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.

Ganito nililimitahan ng Cottonwood Employer Assisted Housing Program ang presyo ng pagbili: No published maximum purchase price. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhome, at Condominium. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Cottonwood Employer Assisted Housing Program ang mga bibili ng bahay sa Cottonwood, Arizona.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Cottonwood Employer Assisted Housing Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application via Housing Solutions of Northern Arizona (housingnaz.org/prepurchase). 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.