FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant

Ang FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant ay isang grant para sa mga bibili ng bahay sa Statewide, Idaho, na pinangangasiwaan ng Federal Home Loan Bank of Des Moines (through participating member institutions). The Native American Homeownership Initiative (NAHI) is a down payment and closing cost assistance grant offered through FHLB Des Moines member institutions for eligible Native American, Alaska Native, and Native Hawaiian households purchasing within the FHLB Des Moines district, which includes Idaho. The grant provides $25,000 per household and does not require first-time homebuyer status. Grant funds are secured by a 5-year deed restriction and forgiven pro rata over 60 months; funds may be used for down payment, closing costs, repairs connected to the purchase, and new construction (subject to review). Up to $25,000 grant for Native American homebuyers. Not limited to first-time buyers. No repayment if retained 5 years. Usable on or off tribal land and for new construction or purchase-related repairs. May be layered with other DPA. Ang pondo ay mula sa FHLB Des Moines Affordable Housing Program (10% of net income set-aside).

Nag-aalok ang FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant ng tulong na hanggang $25,000. Maaaring isama ang programa sa May be layered with other down payment products and may be in any recording position. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Federal Home Loan Bank of Des Moines (through participating member institutions) ang nagpapasya sa anumang indibidwal na award.

Ang FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may Sale of the home or title transfer within the 5-year retention period (pro-rata repayment of the unforgiven portion). Nakatala ang tulong bilang lien sa posisyong Secured by a 5-year self-extinguishing deed restriction/lease addendum; may be in any recording position. 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 FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Any qualifying homebuyer education course completed prior to closing (counseling/education costs reimbursable up to $250). Available only through FHLB Des Moines member institutions; homebuyer must work with a participating member. Household must qualify for the mortgage on its own income. Homebuyer education required prior to closing. Income at or below 80% AMI per HUD or NAHASDA limits. Citizenship requirement and minimum credit score not specified on official source.

Nililimitahan ng FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income at or below 80% of area median income (by household size and state/county) per HUD or NAHASDA income limits; calculated as of reservation date including all current and intended household members. 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 FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant ang presyo ng pagbili: In-district purchase price limits apply; home must be located within the FHLB Des Moines district. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, 2-4 Unit, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant ang mga American Indian at Alaska Native na bibili ng bahay sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant ang mga bibili ng bahay sa Statewide, Idaho.

Dumadaan sa Federal Home Loan Bank of Des Moines (through participating member institutions) ang mga aplikasyon para sa FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reservations submitted by participating members via DP Online (eAdvantage) prior to closing; first-come, first-served until pool or member cap exhausted. 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.