James City County First-Time Homebuyer Program

Ang James City County First-Time Homebuyer Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Williamsburg, Virginia, na pinangangasiwaan ng James City County Office of Housing. The James City County Office of Housing First-Time Homebuyer Program offers homeowner education classes, credit report reviews, and housing counseling to assist County residents and the local workforce in purchasing affordable housing. The program assists qualified buyers with down payment and closing cost assistance, and in designated areas offers low-interest-rate financing. Hampton Roads Loan Fund Partnership HOME funds are available to assist with purchases throughout the County and the City of Williamsburg. Down payment assistance. Closing cost assistance. Free homebuyer education classes. Credit report review. Pre-purchase housing counseling. Low-interest-rate financing in designated areas. Ang pondo ay mula sa Federal HOME Investment Partnerships funds via Hampton Roads Planning District Commission - Hampton Roads Loan Fund Partnership (HRLFP); may be combined with Virginia Housing grants and SPARC reduced-rate financing.

Ipinagpaliban ang James City County First-Time Homebuyer Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, transfer, refinance, or loss of owner-occupancy may trigger repayment under the underlying Hampton Roads Loan Fund Partnership / HOME deferred loan terms (specific term not stated on JCC primary source). 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 James City County First-Time Homebuyer 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": Treated as first-time homebuyer if applicant has not owned a home in the last 3 years. Tungkol sa credit, sinasabi ng programa: Credit score of 620 or higher. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng James City County Office of Housing homebuyer education classes; pre-purchase housing counseling provided by the Office of Housing. Requirement sa paninirahan: Program serves James City County residents and the local workforce; assistance is to purchase homes throughout James City County and the City of Williamsburg. Must not have owned a home in the last 3 years; household income at or below 80% AMI; credit score 620+; stable income sufficient for the mortgage payment. DPA sourced from Hampton Roads Loan Fund Partnership HOME funds; may combine with Virginia Housing grants and SPARC.

Nililimitahan ng James City County First-Time Homebuyer 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 may not exceed 80% of Area Median Income (HUD AMI for the Virginia Beach-Norfolk-Newport News, VA-NC HUD metro). Specific per-household-size dollar limits not published on the JCC program page; determined at application using current HUD income limits. 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 James City County First-Time Homebuyer Program ang presyo ng pagbili: Subject to HRLFP / HOME maximum purchase price limits; specific cap not stated on JCC primary source. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Townhouse, at Condo.

Pinaglilingkuran ng James City County First-Time Homebuyer Program ang mga bibili ng bahay sa Williamsburg, Virginia. Tinutukoy ng programa ang mga partikular na lugar: In designated areas the program offers low-interest-rate financing in addition to down payment/closing-cost assistance.

Dumadaan sa James City County Office of Housing ang mga aplikasyon para sa James City County First-Time Homebuyer Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application submitted to James City County Office of Housing (online application); subject to availability of HRLFP HOME funds. 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.