Community Partners Loan Pool (CPLP)

Ang Community Partners Loan Pool (CPLP) ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Statewide, North Carolina. Community Partners Loan Pool (CPLP) is a statewide secondary-market funded affordable mortgage and DPA program for low- and moderate-income (≤80% AMI) first-time homebuyers in North Carolina. CPLP provides up to 20% of the sales price (typically capped at $30,000) as a 0%, deferred-payment second mortgage. CPLP is administered by DreamKey Partners, a Charlotte-based CDFI, in partnership with NCHFA, and is funded primarily by federal HOME funds and other affordable-lending capital sources. The Community Partners Loan Pool (CPLP) provides up to 20% of the sales price (typically $30,000 max, varying by funding cycle and county) as a 0%-interest deferred second mortgage to low- and moderate-income first-time homebuyers across North Carolina. The CPLP second is deferred (no monthly payments, no interest accrual) and becomes due only at sale, refinance, transfer, or end of loan term (typically the same 30-year term as the first mortgage). When paired with the NC Home Advantage Mortgage and the $15K NC 1st Home Advantage DPA, the borrower can stack up to ~$45K in soft-second financing. Ang pondo ay mula sa Federal HOME Investment Partnership funds via NCHFA; CDFI capital aggregated by DreamKey Partners; participating financial institutions (Self-Help Credit Union historically a major funder).

Nagbibigay ang Community Partners Loan Pool (CPLP) ng tulong na katumbas ng 20% ng presyo ng pagbili, ayon sa itinakda ng programa. Hinihiling ng programa na mag-ambag ang mga bibili ng bahay ng $1,000 minimum borrower contribution from own funds typical; gift funds and seller credits do not satisfy the minimum. Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang ang ahensyang nangangasiwa ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Community Partners Loan Pool (CPLP), kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Full balance due at sale, refinance (without subordination), title transfer, or end of first-mortgage term (typically 30 years) at HOME affordability period (5/10/15 years) recapture rules apply if borrower no longer occupies as primary residence during that period. 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 Community Partners Loan Pool (CPLP) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: 640 minimum FICO (per NCHFA NC Home Advantage Mortgage pairing); some first-mortgage products may allow lower. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved homebuyer education required; DreamKey Partners (formerly CCDC), Prosperity Unlimited, OnTrack WNC, Twin Rivers Opportunities, and other NCHFA-approved housing counseling agencies. Requirement sa paninirahan: Property must be in North Carolina and occupied as principal residence; HOME affordability period (5-15 years depending on subsidy amount) requires continued primary-residence occupancy. Citizenship o katayuan sa imigrasyon: U.S. citizen or qualified non-citizen per HOME program rules and first-mortgage product. Borrower must be a first-time homebuyer (no ownership interest in a principal residence in past 3 years) at or below 80% Area Median Income (AMI) for the property's county per HUD income limits. Minimum borrower contribution typically $1,000 of own funds. Must complete HUD-approved homebuyer education. Property must be primary residence. CPLP is funded primarily by NC HOME Investment Partnership funds (federal HOME) administered through NCHFA and DreamKey Partners as a sub-recipient/intermediary. HOME affordability period applies (typically 5/10/15 years depending on assistance amount) - if borrower sells or moves out during the affordability period, full balance plus potential recapture per HOME rules. Must be paired with an approved first mortgage (NCHFA NC Home Advantage Mortgage, USDA 502, FHA, VA, or conventional).

Nililimitahan ng Community Partners Loan Pool (CPLP) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Income limits set at 80% of HUD-published Area Median Income (AMI) for the property's county and household size, updated annually by HUD. 2025 NC county 4-person 80% AMI ranges from approximately $63,650 (rural counties such as Bertie, Robeson) to $105,300 (Raleigh-Cary MSA, Durham-Chapel Hill MSA, Charlotte-Concord-Gastonia MSA). Lookup property-specific limit on the NCHFA / HUD limits table or via the participating lender. 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 Community Partners Loan Pool (CPLP) ang presyo ng pagbili sa $342,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, townhomes, condos (must meet agency project approval), 1-unit owner-occupied at new and existing. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng Community Partners Loan Pool (CPLP) ang mga miyembro ng militar na nasa aktibong serbisyo, mga reservist at miyembro ng National Guard, mga naiwang asawa, mga alagad ng batas, mga bumbero, mga manggagawa sa kalusugan, at mga bibili ng bahay na may kapansanan 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 Community Partners Loan Pool (CPLP) ang mga bibili ng bahay sa Statewide, North Carolina. Tinutukoy ng programa ang mga partikular na lugar: Available in all 100 NC counties; availability and amounts may vary by funding cycle and HOME participating jurisdiction. Some counties operate their own HOME PJ programs in parallel.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Community Partners Loan Pool (CPLP), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender reserves CPLP funds via DreamKey Partners' lender portal alongside NCHFA reservation. 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.