HomeStretch (HB819 Shared Equity Program)

Ang HomeStretch (HB819 Shared Equity Program) ay isang shared-appreciation loan para sa mga bibili ng bahay sa Statewide, Montana, na pinangangasiwaan ng NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819). HomeStretch is a shared-equity homeownership program created in 2023 by Montana House Bill 819 (the Montana Community Reinvestment Plan Act). It blends State of Montana funds with private capital and contributes up to 30% of the cost of a home; in exchange the borrower agrees to a limited equity return at the time of resale. It is administered jointly by NeighborWorks Montana and NeighborWorks Great Falls and is available in 22 counties. Contributes up to 30% of home cost. No monthly payment on the shared-equity portion. Available to non-first-time buyers. Statewide reach across 22 counties. Reduces first-mortgage amount and monthly payment. Ang pondo ay mula sa State of Montana (HB819 / Montana Community Reinvestment Plan Act) blended with private funds.

Ang HomeStretch (HB819 Shared Equity Program) ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819). Kailangang bayaran kapag may Shared appreciation/limited equity return due at resale or transfer of the home. 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 HomeStretch (HB819 Shared Equity Program) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HomeStretch-specific counseling session with a NeighborWorks-approved HomeStretch counselor. Requirement sa paninirahan: Must purchase in a NeighborWorks-approved county (available in 22 Montana counties). Borrower must understand and agree to the equity/shared-appreciation share. Must use an approved first-mortgage lender and complete HomeStretch-specific counseling. County availability varies; verify on the HomeStretch map.

Nililimitahan ng HomeStretch (HB819 Shared Equity Program) ang kita ng sambahayan sa 140% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Borrower must be between 60% and 140% area median income (AMI) for the state or county, whichever is less; AMI for Mineral County is capped at 80%. 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.

Pinaglilingkuran ng HomeStretch (HB819 Shared Equity Program) ang mga bibili ng bahay sa Statewide, Montana. Tinutukoy ng programa ang mga partikular na lugar: 22 participating counties statewide split between NeighborWorks Montana and NeighborWorks Great Falls service areas.

Dumadaan sa NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819) ang mga aplikasyon para sa HomeStretch (HB819 Shared Equity Program), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender submits NeighborWorks pre-qualification application; borrower given 60 days to shop (two 30-day extensions available). 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.