Welcome Home: First State Home Loan (DSHA Welcome Home)

Ang Welcome Home: First State Home Loan (DSHA Welcome Home) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Statewide, Delaware. DSHA's Welcome Home is the first-time-homebuyer-only bundled mortgage product launched as part of DSHA's April 2026 Delaware Mortgage Program rebrand. It pairs a Smart Start 30-year fixed-rate first mortgage (funded by DSHA tax-exempt mortgage revenue bonds, typically priced slightly below the Open Door rate) with the First State Home Loan, a 0%-interest deferred second mortgage equal to 3% of the first-mortgage loan amount used for down payment and closing-cost assistance. Welcome Home has tighter income limits than Open Door because it is reserved for first-time buyers, and it offers a slightly better first-mortgage rate plus access to richer DPA tiers (Keys4You 4%, Take5 5%, Diamond in the Rough 5%). The second mortgage requires no monthly payment and is fully deferred until refinance, sale, transfer of title, or loss of primary-residence status. Bundled DSHA product designed exclusively for FIRST-TIME homebuyers (Welcome Home umbrella). Competitive 30-year fixed-rate Smart Start first mortgage at a slightly better rate than Open Door, plus First State Home Loan: a 0%-interest, deferred-payment second mortgage equal to 3% of the first mortgage loan amount applied to down payment and/or closing costs. No monthly payment on the second. balance due only on refinance, sale, transfer of title, or when the home is no longer the primary residence. Welcome Home borrowers also have access to richer DPA tiers: Keys4You (4%), Take5 (5%), and Diamond in the Rough (5% with FHA 203(k) renovation). Ang pondo ay mula sa State at Bond.

Ipinagpaliban ang Welcome Home: First State Home Loan (DSHA Welcome Home), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Refinance, sale of home, transfer of title, or property no longer used as primary residence (whichever comes first). No monthly payments due during normal occupancy. Nakatala ang tulong bilang lien sa posisyong 2nd Lien. 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 Welcome Home: First State Home Loan (DSHA Welcome Home) 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": First-time-homebuyer (3-year non-ownership) requirement waived for: (1) qualified veterans (per Heroes Earnings Assistance and Relief Tax Act of 2008); (2) purchases located in IRC Section 143 federally designated targeted census tracts in Delaware. Tungkol sa credit, sinasabi ng programa: 620 minimum FICO. Borrowers with credit scores 659 or below MUST complete DSHA-approved housing counseling. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng DSHA-approved housing counseling agencies; required for borrowers with FICO 620-659 and recommended for all (HUD-approved counselors). Requirement sa paninirahan: Property must be located in Delaware (any county) and used as the borrower's principal residence within 60 days of closing. Citizenship o katayuan sa imigrasyon: U.S. citizen, permanent resident alien, or qualified non-citizen per the underlying loan product (FHA/VA/USDA/Conventional) requirements. Borrower must be a FIRST-TIME homebuyer (no ownership interest in a primary residence within the past 3 years). Must obtain a DSHA Smart Start first mortgage (30-year fixed) through a DSHA Preferred Lender. Annual household income must not exceed Welcome Home county/household-size limits (see income_limit_description). Property must be in Delaware and used as primary residence. Borrowers with FICO 620-659 must complete pre-purchase housing counseling. Federal IRS recapture tax may apply (mortgage revenue bond program). FTHB requirement waived for veterans (per Heroes Earnings Assistance and Relief Tax Act) and for purchases in IRC Section 143 federally targeted areas.

Nililimitahan ng Welcome Home: First State Home Loan (DSHA Welcome Home) ang kita ng sambahayan sa $167,160. 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.

Nililimitahan ng Welcome Home: First State Home Loan (DSHA Welcome Home) ang presyo ng pagbili sa $754,406. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, attached townhouse, condominium (on FHA/VA/Fannie/Freddie-approved project lists), planned unit development (PUD), and 1-2 unit owner-occupied properties (per first-mortgage product rules). Manufactured housing eligible per FHA/VA/USDA standards. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Welcome Home: First State Home Loan (DSHA Welcome Home) ang mga bibili ng bahay sa Statewide, Delaware. Tinutukoy ng programa ang mga partikular na lugar: Federally designated targeted areas under IRC Section 143 receive higher income limits, higher purchase price limits, and waived first-time-homebuyer rules. Targeted census tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Welcome Home: First State Home Loan (DSHA Welcome Home), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reserved by DSHA Preferred Lender via the DSHA Lender Online portal at the time of first-mortgage reservation/lock; subject to bond allocation availability. 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.