Your Turn Homebuyer Assistance

Ang Your Turn Homebuyer Assistance ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Statewide, New Hampshire. NH Community Loan Fund's CDFI-funded statewide DPA second-mortgage program. Gap-underwritten case-by-case; below-market interest rate. Targets borrowers outside NH Housing's standard matrix. NH Community Loan Fund's Your Turn Homebuyer Assistance is a statewide subordinate-loan DPA program from New Hampshire's largest CDFI. Provides flexible second-mortgage / DPA financing for low- and moderate-income first-time homebuyers, particularly those who do not fit into NH Housing's standard product matrix (e.g., manufactured home buyers outside ROCs, self-employed borrowers, gig-economy households, recent immigrants, and households with non-traditional credit). The program layers a below-market-rate second mortgage (typically 0%-3% interest, deferred or amortizing depending on borrower circumstance) on a partner first mortgage. Loan amounts and terms are gap-underwritten case-by-case. Available statewide. Pairs with NH Housing first mortgages, USDA-RD Section 502, AHEAD Pathways grants, and select community-bank conventional first mortgages. Homebuyer education and 1:1 housing counseling required (provided by Community Loan Fund-affiliated counseling agencies including NeighborWorks Southern NH, AHEAD, and The Way Home). Ang pondo ay mula sa CDFI.

Ipinagpaliban ang Your Turn Homebuyer Assistance, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Deferred or amortizing structure depending on borrower at typically 0%-3% interest, deferred until maturity, sale, refinance, or non-owner-occupancy. Specific terms negotiated case-by-case. 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 Your Turn Homebuyer Assistance 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": Exceptions for displaced workers, domestic-violence survivors, recent immigrants, and reentering citizens per Community Loan Fund underwriting guidelines. Tungkol sa credit, sinasabi ng programa: Per first-mortgage product overlays. Community Loan Fund accepts non-traditional credit (rental / utility / cash-only payment history) for borrowers without traditional FICO scores. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng NH Community Loan Fund-affiliated HUD-certified housing counseling agencies: NeighborWorks Southern NH (Manchester area), AHEAD (Northern NH), The Way Home (Manchester / statewide). Requirement sa paninirahan: Property must be located in New Hampshire. Statewide eligibility. Citizenship o katayuan sa imigrasyon: U.S. citizen, permanent resident, or qualifying non-permanent resident with work authorization. First-time homebuyer required (or specific Community Loan Fund-approved exception for displaced workers / domestic-violence survivors / recent immigrants). Owner-occupied primary residence. Household income limits per Community Loan Fund underwriting (typically at or below 80%-100% AMI by county, gap-underwritten). Property must be located in New Hampshire. Homebuyer education + 1:1 housing counseling with a Community Loan Fund-affiliated agency required. Successful completion of Community Loan Fund's underwriting (gap-financing model - amount sized to the borrower's actual need, not a fixed cap).

Ganito itinatakda ng Your Turn Homebuyer Assistance ang income limit nito: Community Loan Fund Your Turn income limits per case-by-case underwriting; typically at or below 80%-100% AMI by county. 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.

Ganito nililimitahan ng Your Turn Homebuyer Assistance ang presyo ng pagbili: Per first-mortgage product limits. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, 2-4 unit owner-occupied, condominium, townhouse, manufactured home on owned land, and manufactured home in a Resident-Owned Community. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng Your Turn Homebuyer Assistance ang mga beterano, mga miyembro ng militar na nasa aktibong serbisyo, mga reservist at miyembro ng National Guard, mga naiwang asawa, 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 Your Turn Homebuyer Assistance ang mga bibili ng bahay sa Statewide, New Hampshire.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Your Turn Homebuyer Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reserved directly with NH Community Loan Fund via housing-counseling intake; subject to gap-underwriting and fund availability. 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.