Equity Builder Program (EBP)

Ang Equity Builder Program (EBP) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Statewide, New Hampshire, na pinangangasiwaan ng Federal Home Loan Bank of Boston (FHLBank Boston). The Equity Builder Program (EBP) is FHLBank Boston's homeownership set-aside grant for first-time homebuyers earning up to 80% of area median income. Grants - delivered through approved member banks and credit unions in New Hampshire - help with down payment, closing costs, an interest-rate buydown of up to 2 points, rehabilitation costs tied to the purchase, and up to $500 of homebuyer counseling. The grant is forgivable over five years and is repaid on a pro-rated basis only if the home is sold or no longer occupied as the primary residence during that period. Down-payment and closing-cost grant. Forgivable after 5 years. Up to 2-point interest-rate buydown. Can fund purchase-related rehab. Up to $500 toward homebuyer counseling. Ang pondo ay mula sa FHLBank Boston Affordable Housing Program (AHP) set-aside funds.

Nag-aalok ang Equity Builder Program (EBP) ng tulong na hanggang $25,000. Mga award tier: Per-household maximum set annually by FHLBank Boston. Member institution enrollment cap graduated: $160,000 for the first two funding-release periods, increasing to a maximum of $320,000 for the remaining releases. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Federal Home Loan Bank of Boston (FHLBank Boston) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Equity Builder Program (EBP) pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale or transfer (or ceasing to occupy as primary residence) within 5 years of closing; repayment pro-rated in favor of the homeowner and only owed if the calculated repayment exceeds $2,500. Nakatala ang tulong bilang lien sa posisyong Subordinate (grant secured by retention agreement/mortgage). 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 Equity Builder Program (EBP) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng FHLBank Boston-approved counseling organization. NH-approved: AHEAD, Inc.; Community Home Solutions; GreenPath Financial Wellness; NeighborWorks Southern New Hampshire; New Hampshire Housing Finance Authority. First-time homebuyers only. No cash back to the buyer in excess of $250; cannot reimburse earnest-money deposits. A signed offer/P&S with a property address is required to reserve funds; final P&S within 30 days. Per-household maximum is set annually and varies by year - confirm current amount with the member bank (max shown reflects order-of-magnitude set-aside maximum, not a guaranteed amount).

Nililimitahan ng Equity Builder Program (EBP) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income may not exceed 80% of area median income (AMI); AMI derived from the specific state/city/town of the property. ALL income for ALL household members occupying the property is 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 Equity Builder Program (EBP) para sa Single Family, Condo, at 2-4 Unit.

Pinaglilingkuran ng Equity Builder Program (EBP) ang mga bibili ng bahay sa Statewide, New Hampshire.

Dumadaan sa Federal Home Loan Bank of Boston (FHLBank Boston) ang mga aplikasyon para sa Equity Builder Program (EBP), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng First-come, first-served; member institutions reserve grants through FHLBank Boston's Community Lending online system once the buyer has an executed offer/Purchase & Sales agreement. 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.