USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona

Ang USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona ay isang unang mortgage para sa mga bibili ng bahay sa Arizona, na pinangangasiwaan ng USDA Rural Development, Rural Housing Service - Arizona State Office. The USDA Section 502 Direct Home Loan Program helps low- and very-low-income applicants in eligible rural areas of Arizona obtain decent, safe and sanitary housing by lending directly to borrowers and providing payment assistance (a temporary interest subsidy) to increase repayment ability. Loans typically require no down payment and can fund purchase, construction, repair, renovation or relocation of a home, including site costs and water/sewer facilities. With payment assistance the effective interest rate can be reduced to as low as 1%. The program is open year-round through the Arizona State Office and local Rural Development offices. Ang pondo ay mula sa Federal appropriations - USDA Rural Housing Service direct loan funds (Housing Act of 1949, Section 502; 7 CFR Part 3550).

Ang USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng USDA Rural Development, Rural Housing Service - Arizona State Office. Kailangang bayaran kapag may Payment-assistance subsidy is recaptured (all or a portion) when the title transfers or the borrower no longer lives in the dwelling. Nakatala ang tulong bilang lien sa posisyong First lien (direct mortgage from USDA). 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 USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No published minimum credit score; applicant must demonstrate willingness and ability to repay. Requirement sa paninirahan: Property must be located in a USDA-eligible rural area of Arizona (generally areas with population under 35,000; verify via USDA Eligibility Site). Citizenship o katayuan sa imigrasyon: U.S. citizen, U.S. non-citizen national, or qualified alien. Applicant must be without decent/safe/sanitary housing, unable to obtain a loan on reasonable terms elsewhere, occupy the home as primary residence, have legal capacity, meet citizenship/eligible-noncitizen requirements, and not be suspended/debarred. Property must not exceed the county area loan limit and may not be income-producing. Payment subsidy (subsidy recapture) must be repaid in whole or part on title transfer or when the borrower no longer occupies the home.

Nililimitahan ng USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Adjusted household income must be at or below the applicable low-income (or very-low-income) limit for the county; limits vary by Arizona county per the USDA Direct Loan income limit map. Very-low-income borrowers may qualify for a 38-year term. 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 USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona ang presyo ng pagbili: Property market value may not exceed the applicable USDA area loan limit for the county where the property is located. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached at Modest single-family home in eligible rural area. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona ang mga bibili ng bahay kahit saan sa Arizona. Tinutukoy ng programa ang mga partikular na lugar: Available only in USDA-designated eligible rural areas of Arizona.

Dumadaan sa USDA Rural Development, Rural Housing Service - Arizona State Office ang mga aplikasyon para sa USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications accepted on an ongoing basis October 1 - September 30 through local Rural Development offices; processing depends on funding availability and demand. 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.