FHLBank Atlanta First-time Homebuyer Product (FHP)

Ang FHLBank Atlanta First-time Homebuyer Product (FHP) ay isang grant para sa mga bibili ng bahay sa District of Columbia, na pinangangasiwaan ng Federal Home Loan Bank of Atlanta (through participating member financial institutions). The FHLBank Atlanta First-time Homebuyer Product (FHP), funded through FHLBank Atlanta's Affordable Housing Program (AHP) Homeownership Set-aside, provides up to $17,500 in grant funds toward down payment, closing costs, and principal reduction for first-time homebuyers. FHLBank Atlanta's district includes Washington, D.C. Funds are accessed through a participating FHLBank Atlanta member financial institution and are available first-come, first-served. Up to $17,500 in down payment, closing cost, and/or principal reduction assistance for first-time homebuyers. Ang pondo ay mula sa FHLBank Atlanta Affordable Housing Program (AHP) Homeownership Set-aside.

Nag-aalok ang FHLBank Atlanta First-time Homebuyer Product (FHP) ng tulong na hanggang $17,500. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Federal Home Loan Bank of Atlanta (through participating member financial institutions) ang nagpapasya sa anumang indibidwal na award.

Ang FHLBank Atlanta First-time Homebuyer Product (FHP) ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may 5-year retention period secured by note/security instrument; repayment (typically pro-rated) may be triggered by sale, transfer, or refinance during the retention period. 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 FHLBank Atlanta First-time Homebuyer Product (FHP) 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. Kailangan ang kurso sa homebuyer education. Borrower must be a first-time homebuyer and contribute at least $1,000 toward the purchase. Income must be at or below the greater of 80% of county AMI or the state median family income (HUD figures, adjusted for family size). Homebuyer counseling from an FHLBank Atlanta-designated counseling provider is required. Funds carry a 5-year retention period secured by a note and security instrument; pro-rated repayment may apply on sale/refinance within the retention period. Must apply through and funds reserved by an FHLBank Atlanta member financial institution; availability is first-come, first-served and subject to annual funding. $17,500 figure per 2025 product cycle.

Nililimitahan ng FHLBank Atlanta First-time Homebuyer Product (FHP) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Income must be at or below the greater of 80% of the county area median income or the state median family income, as published annually by HUD and adjusted for family size. 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.

Pinaglilingkuran ng FHLBank Atlanta First-time Homebuyer Product (FHP) ang mga bibili ng bahay kahit saan sa District of Columbia.

Dumadaan sa Federal Home Loan Bank of Atlanta (through participating member financial institutions) ang mga aplikasyon para sa FHLBank Atlanta First-time Homebuyer Product (FHP), 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.