Essential Public Employee Program (EP2)

Ang Essential Public Employee Program (EP2) ay isang pangalawang loan na babayaran para sa mga bibili ng bahay sa Mandan, North Dakota, na pinangangasiwaan ng Lewis & Clark Development Group (operating as CommunityWorks North Dakota, NMLS #177084). The Essential Public Employee Program (EP2) provides down payment and closing cost assistance to North Dakota public and essential employees through a second-mortgage loan of up to $10,000 with interest rates as low as 4% for up to 10 years. Eligible employees include city, county, and state government workers, law enforcement, firefighters and first responders, school district employees, and medical/long-term care facility staff. EP2 can be used to meet down payment requirements or to avoid private mortgage insurance, and it works with any North Dakota bank or credit union. Up to $10,000 in down payment and closing cost assistance. Low fixed rate as low as 4%. Up to 10-year term. Can be used to avoid private mortgage insurance. Works with any ND bank or credit union. No income limit. Ang pondo ay mula sa Lewis & Clark Development Group / CommunityWorks North Dakota revolving loan funds.

Nag-aalok ang Essential Public Employee Program (EP2) ng tulong na hanggang $10,000. Ambag ng bibili ng bahay: Applicants must meet minimum down payment requirements; EP2 can also be used to avoid private mortgage insurance. Maaaring isama ang programa sa A first mortgage from any North Dakota bank or credit union. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Lewis & Clark Development Group (operating as CommunityWorks North Dakota, NMLS #177084) ang nagpapasya sa anumang indibidwal na award.

Ang Essential Public Employee Program (EP2) ay isang pangalawang loan na babayaran at binabayaran ayon sa mga tuntuning itinakda ng Lewis & Clark Development Group (operating as CommunityWorks North Dakota, NMLS #177084). Kailangang bayaran kapag may Repayable second-mortgage loan amortized over up to 10 years; repaid via monthly payments (and on sale/refinance per loan terms). Nakatala ang tulong bilang lien sa posisyong 2nd. 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 Essential Public Employee Program (EP2) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Not published; determined during application. Requirement sa paninirahan: Borrower must be employed by a qualifying North Dakota public/essential employer; property in North Dakota. Eligibility based on qualifying public/essential employment (employer-restricted). Applicants must meet minimum down payment requirements. Credit score, DTI, income, purchase-price limits, and property eligibility not published and confirmed during application. Administered by Lewis & Clark Development Group under CommunityWorks North Dakota (NMLS #177084); housing director NMLS #180495.

Ganito itinatakda ng Essential Public Employee Program (EP2) ang income limit nito: No income limit published; eligibility is based on qualifying public-employee status rather than income. 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 Essential Public Employee Program (EP2) para sa Single Family.

Binabanggit ng Essential Public Employee Program (EP2) ang mga edukador, mga alagad ng batas, mga bumbero, at mga manggagawa sa kalusugan sa mga grupong pinaglilingkuran nito. Para lamang din sa mga empleyado ng City government; county government; state government; law enforcement officers and support staff; emergency services (professional and volunteer firefighters, professional and volunteer first-responders, and support staff); school districts (teachers, paraprofessionals, administration, support staff); medical or long-term care facilities; and others as determined by Lewis & Clark Development Group ang programa. 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 Essential Public Employee Program (EP2) ang mga bibili ng bahay sa Mandan, North Dakota.

Dumadaan sa Lewis & Clark Development Group (operating as CommunityWorks North Dakota, NMLS #177084) ang mga aplikasyon para sa Essential Public Employee Program (EP2), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications handled directly by LCDG Housing Director; works with any North Dakota bank or credit union. 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.