City of Greenville Employer Assisted Homebuyer Pilot Program

Ang City of Greenville Employer Assisted Homebuyer Pilot Program ay isang loan na mapapatawad para sa mga bibili ng bahay sa Greenville, South Carolina, na pinangangasiwaan ng CommunityWorks Carolina (on behalf of the City of Greenville). An employer-assisted housing (EAH) pilot program funded by the City of Greenville and administered by CommunityWorks Carolina, providing up to $50,000 (full-time) or $25,000 (permanent part-time) in down payment and/or closing-cost assistance to eligible City of Greenville employees buying a primary residence. Assistance is a 0% non-amortizing subordinate loan forgiven over five years, tiered by household income up to 150% AMI. Distinct from Greenville County's CommunityWorks-administered Homebuyer Assistance Program. Up to $50,000 for full-time / $25,000 for part-time employees. 0% interest, no monthly payments. Forgiven over 5 years. Usable for down payment and/or closing costs. New or existing homes, including contiguous counties. Available up to 150% AMI. Ang pondo ay mula sa City of Greenville (employer-funded; administered by CommunityWorks Carolina). Pilot program.

Nag-aalok ang City of Greenville Employer Assisted Homebuyer Pilot Program ng tulong mula $10,000 hanggang $50,000. Mga award tier: Full-Time employees: up to $50,000 (<=80% AMI); $40,000 (>80-100% AMI); $30,000 (>100-120% AMI); $20,000 (>120-150% AMI). Permanent Part-Time: up to $25,000 (<=80% AMI); $20,000 (>80-100% AMI); $15,000 (>100-120% AMI); $10,000 (>120-150% AMI). Ambag ng bibili ng bahay: Buyer must invest a minimum of $500 into the home purchase at time of closing. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang CommunityWorks Carolina (on behalf of the City of Greenville) ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang City of Greenville Employer Assisted Homebuyer Pilot Program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Repayment triggered if the employee leaves City of Greenville employment, the home ceases to be the borrower's principal residence, or the property is sold before the 5-year forgiveness term is complete. Nakatala ang tulong bilang lien sa posisyong Subordinate (secured by promissory note and mortgage 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 City of Greenville Employer Assisted Homebuyer Pilot Program 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": Buyer must be a first-time homebuyer OR not have owned a home in the past 3 years. Tungkol sa credit, sinasabi ng programa: Not published; borrower must qualify for a 30-year fixed-rate first mortgage. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng CommunityWorks Carolina homebuyer education workshop. Requirement sa paninirahan: Must be a Full-Time or Permanent Part-Time City of Greenville employee, employed by the City for a minimum of 1 year and in good standing (non-probationary, 3.0+ annual review average, not on a PIP, no disciplinary suspensions within 12 months). Pilot program; subject to City of Greenville discretion and good-standing employment criteria (City of Greenville employees only).

Ganito itinatakda ng City of Greenville Employer Assisted Homebuyer Pilot Program ang income limit nito: Assistance is tiered by household income relative to the City of Greenville AMI: <=80%, >80-100%, >100-120%, >120-150% AMI. Eligibility extends up to 150% AMI. Specific dollar limits by household size set by CommunityWorks using HUD AMI figures, not published on the fact sheet. 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 City of Greenville Employer Assisted Homebuyer Pilot Program para sa Single Family. Kwalipikado ang bagong gawang bahay.

Para lamang sa mga empleyado ng City of Greenville employees only. ang City of Greenville Employer Assisted Homebuyer Pilot Program. 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 City of Greenville Employer Assisted Homebuyer Pilot Program ang mga bibili ng bahay sa Greenville, South Carolina. Tinutukoy ng programa ang mga partikular na lugar: Eligible properties limited to Greenville County and SC counties contiguous to Greenville (Abbeville, Anderson, Laurens, Pickens, Spartanburg).

Dumadaan sa CommunityWorks Carolina (on behalf of the City of Greenville) ang mga aplikasyon para sa City of Greenville Employer Assisted Homebuyer Pilot Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Lender completes the Lender Application Checklist; buyer applies through CommunityWorks. First-come basis. 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.