Pima Tucson Homebuyer's Solution (PTHS)

Ang Pima Tucson Homebuyer's Solution (PTHS) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Tucson, Arizona, na pinangangasiwaan ng 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.

Pinapatawad ang Pima Tucson Homebuyer's Solution (PTHS) pagkalipas ng 3 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. 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 Pima Tucson Homebuyer's Solution (PTHS) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Minimum credit score of 640 for all borrowers; must also meet FHA, VA, USDA, Fannie Mae or Freddie Mac underwriting requirements. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng 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.

Nililimitahan ng Pima Tucson Homebuyer's Solution (PTHS) ang kita ng sambahayan sa $146,503. 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 Pima Tucson Homebuyer's Solution (PTHS) para sa Single Family, Condo, Townhouse, 2-4 Unit, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Pima Tucson Homebuyer's Solution (PTHS) ang mga bibili ng bahay sa Tucson, Arizona.

Dumadaan sa Industrial Development Authority of the County of Pima and the City of Tucson (administered by Community Investment Corporation) ang mga aplikasyon para sa Pima Tucson Homebuyer's Solution (PTHS), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.