City of Kenner First-Time Homebuyers (FTHB) Assistance Program

Ang City of Kenner First-Time Homebuyers (FTHB) Assistance Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Kenner, Louisiana, na pinangangasiwaan ng City of Kenner Department of Community Development. The City of Kenner Department of Community Development administers a First-Time Homebuyers (FTHB) Assistance Program using HUD HOME funds through the Jefferson HOME Consortium. Eligible low-to-moderate income first-time buyers (51%-80% AMI) may receive up to $40,000 (up to $50,000 for CHDO-sold properties) as a 0% soft second mortgage for down payment, closing costs, and/or principal buy-down. The soft second is forgiven over a HUD affordability period if the buyer occupies the home as their principal residence. Up to $40,000 in assistance (up to $50,000 if CHDO-sold). 0% soft second mortgage. Forgiven over the HOME affordability period with owner-occupancy. Can be applied to down payment, closing costs, or principal buy-down. Single-family, townhomes, and condos eligible. Ang pondo ay mula sa HUD HOME Investment Partnerships Program funds via the Jefferson HOME Consortium.

Nag-aalok ang City of Kenner First-Time Homebuyers (FTHB) Assistance Program ng tulong na hanggang $40,000. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang City of Kenner Department of Community Development ang nagpapasya sa anumang indibidwal na award.

Ang City of Kenner First-Time Homebuyers (FTHB) Assistance Program ay isang loan na mapapatawad, kaya pinapatawad ang balanse kapag natugunan ang mga kondisyon ng programa. Kailangang bayaran kapag may Soft second mortgage; forgiven over the HUD-established affordability period if the home remains the borrower's principal residence. If the property is sold or no longer occupied during the mortgage term, the full mortgage amount becomes due from net sale proceeds (with pro-rata reduction provisions). 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 City of Kenner First-Time Homebuyers (FTHB) Assistance Program 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": Applicant or co-borrower must not have owned a home in the past three years. Tungkol sa credit, sinasabi ng programa: Not specified; set by lender/first mortgage product. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Homebuyer Education Certificate through a HUD-approved counseling agency (online course permitted if combined with one-on-one counseling). Citizenship o katayuan sa imigrasyon: Buyer and co-borrower must be a U.S. citizen or permanent resident alien. Maximum $5,000 in liquid assets before closing (deferred assets like pensions/401(k) excluded). U.S. citizen or permanent resident alien required. Fixed-rate mortgage only. Back-end DTI cannot exceed 43%. Borrower cannot be delinquent on student loans, federal/state/local taxes, utilities, or City services.

Nililimitahan ng City of Kenner First-Time Homebuyers (FTHB) Assistance Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income must be between 51% and 80% of AMI for the Jefferson HOME Consortium (HUD limits, published annually). Per the program's posted (2019) table: 1 person $37,750; 2 $43,150; 3 $48,550; 4 $53,900; 5 $58,250; 6 $62,550; 7 $66,850; 8 $71,150. Lenders must use the most current HUD limits. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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 City of Kenner First-Time Homebuyers (FTHB) Assistance Program ang presyo ng pagbili: Purchase price/after-rehab value must not exceed 95% of the area median purchase price (HUD HOME value limits). Posted example (eff. April 15, 2019) listed Kenner existing-home limits of $196,000 and $227,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, at Condo. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng City of Kenner First-Time Homebuyers (FTHB) Assistance Program ang mga bibili ng bahay sa Kenner, Louisiana.

Dumadaan sa City of Kenner Department of Community Development ang mga aplikasyon para sa City of Kenner First-Time Homebuyers (FTHB) Assistance Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender (from approved lender list) submits pre-approval and documents to the City; City schedules inspection, environmental review, and eligibility appointment. 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.