HOME Homeownership Program

Ang HOME Homeownership Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Richmond, Virginia. HOME of Virginia's HOME Homeownership Program is a regional first-time-homebuyer program providing up to $20,000 as a 0% interest deferred-payment second mortgage. HOME of VA is a HUD-certified housing counseling agency and a Virginia statewide leader in fair-housing services. Funds are sourced from HUD HOME pass-through dollars and from private and philanthropic sources. Includes wraparound services - homebuyer education, individual counseling, fair-housing assistance, and post-purchase support. Up to $20,000 in down-payment and closing-cost assistance for first-time homebuyers purchasing in the Richmond region. Provided as a 0% interest deferred-payment second mortgage. No monthly payments. repaid upon sale, refinance with cash-out, transfer, or loss of primary-residence status. Includes free fair-housing counseling and homebuyer-education services. Ang pondo ay mula sa HOME, Federal, Private, at Philanthropic.

Ipinagpaliban ang HOME Homeownership Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Deferred 0% second-mortgage repayable in full upon sale, refinance with cash-out, transfer, or loss of primary-residence status. Nakatala ang tulong bilang lien sa posisyong 2. 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 HOME Homeownership 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": First-time homebuyer (no ownership of residential real estate in prior 3 years). Tungkol sa credit, sinasabi ng programa: 620 minimum FICO. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HOME of Virginia (HUD-certified housing counseling agency); 8-hour homebuyer education and one-on-one counseling provided in-house. Requirement sa paninirahan: Property must be located within the Richmond region (City of Richmond, Henrico, Chesterfield, Hanover counties primarily) and be the buyer's primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen permitted by HUD HOME rules. Property must be located in the Richmond region (City of Richmond, Henrico, Chesterfield, Hanover counties primarily) and be the buyer's primary residence. Buyer must be a first-time homebuyer (no ownership in prior 3 years). Household income between $63,600 (1-person minimum) and $119,900 (8-person maximum) tracking 80% AMI for the Richmond MSA. Minimum 620 FICO. Minimum borrower contribution $1,000. 8-hour HUD-approved homebuyer education required (provided in-house by HOME of VA). Pre-purchase one-on-one counseling required.

Nililimitahan ng HOME Homeownership Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income between $63,600 (1-person minimum threshold) and $119,900 (8-person maximum) at 80% AMI for Richmond MSA. Updated annually. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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 HOME Homeownership Program ang presyo ng pagbili: Tracks HUD HOME maximum sales price for Richmond MSA. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhouse, at Condominium. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng HOME Homeownership Program ang mga bibili ng bahay sa Richmond, Virginia.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa HOME Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application through HOME of Virginia; counseling appointments scheduled directly with HOME of VA staff. First-come, first-served subject to annual funding. 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.