Worker Advantage Program

Ang Worker Advantage Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Nevada, na pinangangasiwaan ng Nevada Housing Division (NHD). The Worker Advantage Program, created under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025), provides $20,000 in down payment assistance to Nevada's essential workers in healthcare, education, public safety, and construction. The assistance is a no-interest, no-payment, non-forgivable 30-year second mortgage that can be applied to down payment/closing costs or used to buy down the interest rate by 2% or 4%. No first-time-buyer requirement, but applicants cannot have previously used Home Is Possible and cannot own other property. $20,000 in down payment assistance. 0% interest, no monthly payments. May be used for down payment/closing costs OR a permanent 2%/4% rate buydown. No first-time homebuyer requirement. Statewide availability. Available to repeat buyers in essential-worker professions. Ang pondo ay mula sa State funding under Governor Lombardo's Nevada Housing Access and Attainability Act (AB540, 2025 Legislative Session); $18,000,000 total allocation to assist ~900 households.

Nag-aalok ang Worker Advantage Program ng tulong na hanggang $20,000. Mga award tier: Option 1: Apply full $20,000 toward down payment/closing costs. Option 2: Pay 2% or 4% discount points to permanently buy down the interest rate, with any remaining funds toward down payment/closing costs. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Nevada Housing Division (NHD) ang nagpapasya sa anumang indibidwal na award.

Ipinagpaliban ang Worker Advantage Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Repayable in full upon sale, transfer, satisfaction of the first mortgage, refinancing, or when the borrower ceases to occupy the property as primary residence; otherwise deferred for the 30-year term (never forgiven). Nakatala ang tulong bilang lien sa posisyong Second. 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 Worker Advantage Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Minimum 640 FICO (mid score); 680 for manufactured homes. Per NHD rate/offerings chart; follow Agency/GSE if higher. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Each borrower (anyone on note/deed, including NPS on title) must complete approved homebuyer education: NHD/Freddie Mac CreditSmart, Community Services of Nevada, Chicanos Por La Causa, Fannie Mae HomeView, Framework, Money Management International, Neighborhood Housing Services of Southern Nevada, or other HUD-approved agencies. Requirement sa paninirahan: At least one occupying borrower must have been a Nevada resident for at least 6 months prior to loan reservation date (verified via NV Driver's License/State ID). Citizenship o katayuan sa imigrasyon: Follow Agency or GSE citizenship requirements. Borrower limited to using the program one time. Buyer must occupy within 60 days of closing. Borrower and spouse may not own other property. Previous Home Is Possible users ineligible. A Fraud Report (with 3-year ownership history) is required for all borrowers and a Real Property Search is required for non-purchasing spouses. Lender must obtain a 'Clear to Close' letter from NHD at least 5 business days before closing.

Nililimitahan ng Worker Advantage Program ang kita ng sambahayan sa 150% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income up to 150% AMI; single limit applies to all household sizes per county: Carson City $139,050; Churchill $152,850; Clark $142,350; Douglas $163,200; Elko $165,450; Esmeralda $158,850; Eureka $120,750; Humboldt $146,250; Lander $161,400; Lincoln $142,950; Lyon $141,900; Mineral $96,150; Nye $109,500; Pershing $154,200; Storey $167,700; Washoe $167,700; White Pine $156,750. Qualifying income includes borrowers, spouses, and all household members 18+ (related or unrelated). 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 Worker Advantage Program ang presyo ng pagbili sa $806,500. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, Townhouse, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng Worker Advantage Program ang mga edukador, mga alagad ng batas, mga bumbero, at mga manggagawa sa kalusugan 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 Worker Advantage Program ang mga bibili ng bahay kahit saan sa Nevada.

Dumadaan sa Nevada Housing Division (NHD) ang mga aplikasyon para sa Worker Advantage Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng eHousingPlus eHPortal (first-come, first-served revolving pool); reserved through Home Is Possible certified lenders. 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.