Wayne County First-Time Home Buyers Program

Ang Wayne County First-Time Home Buyers Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Wayne County, Michigan, na pinangangasiwaan ng Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers). Wayne County offers first-time homebuyers down payment and closing cost assistance when purchasing a home in any of the 37 participating non-Detroit communities. Assistance is an interest-free deferred loan from $5,000 up to $14,999, due upon sale of the property, with up to $7,500 forgiven after a five-year ownership period. Administered through National Faith Homebuyers, which also provides required homeownership counseling. Interest-free deferred down payment and closing cost assistance up to $14,999, with up to $7,500 forgivable after 5 years. Ang pondo ay mula sa Federal HOME funds via Wayne County / HUD.

Nag-aalok ang Wayne County First-Time Home Buyers Program ng tulong mula $5,000 hanggang $14,999. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Wayne County First-Time Home Buyers Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Interest-free deferred loan due upon sale of the property; up to $7,500 of the loan is forgiven after the initial five-year ownership period, with the balance due on sale/transfer. 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 Wayne County First-Time Home Buyers 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": First-time homebuyer defined as a purchaser who has not owned a home within the last three years. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng National Faith Homebuyers (homeownership counseling/education series covering credit, buying a home, qualifying for a mortgage, home maintenance). First-time buyer (no homeownership in last 3 years); cannot own/have interest in other real estate; liquid assets may not exceed $10,000; housing ratio <=30% and DTI <=43%; must complete National Faith homebuyer education; property must pass HQS inspection or obtain Certificate of Occupancy where required; must occupy as primary residence 5 years for forgiveness.

Nililimitahan ng Wayne County First-Time Home Buyers Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total household income must be at or below 80% of Area Median Income per HUD limits for household size (Detroit-Warren-Dearborn MSA). All household income counted. 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.

Magagamit ang Wayne County First-Time Home Buyers Program para sa Single Family. Hindi kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Wayne County First-Time Home Buyers Program ang mga bibili ng bahay sa Wayne County, Michigan. Tinutukoy ng programa ang mga partikular na lugar: Available only in 37 participating Wayne County communities (non-Detroit). Includes Allen Park, Belleville, Brownstown, Ecorse, Flat Rock, Garden City, Gibraltar, Grosse Ile Twp., the Grosse Pointes, Hamtramck, Harper Woods, Highland Park, Huron Twp., Inkster, Melvindale, Plymouth & Plymouth Twp., River Rouge, Riverview, Rockwood, Romulus, Southgate, Sumpter Twp., Northville Twp., Trenton, Van Buren Twp., Wayne, Woodhaven, Wyandotte. Detroit, Dearborn and Livonia are excluded.

Dumadaan sa Wayne County Department of Economic Development, Community Development Division (administered by National Faith Homebuyers) ang mga aplikasyon para sa Wayne County First-Time Home Buyers Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application processed by National Faith Homebuyers, then submitted to Wayne County for final approval and check issuance (3-4 week county waiting period). 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.