Native Partnership for Housing Gap Financing (Second Mortgage)

Ang Native Partnership for Housing Gap Financing (Second Mortgage) ay isang pangalawang mortgage para sa mga bibili ng bahay sa Gallup, New Mexico, na pinangangasiwaan ng Native Partnership for Housing, Inc. (NPH). Native Partnership for Housing (NPH), a Gallup-based Native community development lender and certified HUD Section 184 lender, offers a Gap Financing second-mortgage product for eligible Native American homebuyers whose purchase price exceeds Section 184 or other first-mortgage loan limits. The repayable second mortgage bridges the gap so the buyer can move forward with the purchase. NPH also provides homebuyer education, housing counseling, and down payment/closing-cost assistance. Bridges the gap above Section 184 or other loan limits. Pairs with Section 184 or NPH Internal Purchase Loan. Specialized in Native homeownership (on and off tribal lands). Homebuyer education and counseling included. Can be used for new construction, existing homes, or manufactured homes. Ang pondo ay mula sa Native Partnership for Housing, Inc. (CDFI / Native community development lender), subject to funding availability.

Ang Native Partnership for Housing Gap Financing (Second Mortgage) ay isang pangalawang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Native Partnership for Housing, Inc. (NPH). Kailangang bayaran kapag may Must be repaid (repayable second mortgage); fills the gap when a home's purchase price exceeds Section 184 or other program loan limits. Nakatala ang tulong bilang lien sa posisyong Second (subordinate to the primary 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 Native Partnership for Housing Gap Financing (Second Mortgage) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Subject to credit review and approval; full documentation required; not all applicants will be approved. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Native Partnership for Housing homebuyer education (NPH is a HUD-approved housing counseling/education provider; eHomeAmerica/nph online course). Requirement sa paninirahan: Serves Native American homebuyers throughout New Mexico, Arizona, Southern Utah, and Southern Colorado (on and off tribal lands). This loan must be repaid (it is a repayable second mortgage, not a grant or forgivable loan). Subject to credit review, approval, full documentation, and NPH criteria; not all applicants will be approved. Available only to Native American homebuyers (race/ethnicity restricted by NPH's mission and lending charter). Down payment, closing-cost assistance, and gap financing are referenced generally; specific dollar amounts, interest rate, term, and income limits are not published on the primary source and are quoted per applicant.

Ganito itinatakda ng Native Partnership for Housing Gap Financing (Second Mortgage) ang income limit nito: Income/eligibility determined at application against NPH criteria; specific limits not published on the primary source. 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 Native Partnership for Housing Gap Financing (Second Mortgage) ang presyo ng pagbili: Designed for cases where the purchase price exceeds Section 184 or other program loan limits. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family (1-4 units, primary residence), New construction (site-built or manufactured on permanent foundation), at Existing home. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng Native Partnership for Housing Gap Financing (Second Mortgage) ang mga American Indian at Alaska Native na bibili ng bahay 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 Native Partnership for Housing Gap Financing (Second Mortgage) ang mga bibili ng bahay sa Gallup, New Mexico.

Dumadaan sa Native Partnership for Housing, Inc. (NPH) ang mga aplikasyon para sa Native Partnership for Housing Gap Financing (Second Mortgage), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Loan Application Intake Form submitted to NPH; subject to credit review and approval and meeting NPH criteria. 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.