Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)

Ang Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Hancock|Brooke County, West Virginia, na pinangangasiwaan ng CHANGE, Inc. (HOME Administrator for Hancock & Brooke Counties), Northern Panhandle HOME Consortium administered by the City of Wheeling. Hancock and Brooke Counties participate in the Northern Panhandle HOME Consortium First Time Homebuyer Program (administered locally by CHANGE, Inc.), offering up to $10,000 in HOME funds toward down payment and closing costs as a deferred, 0% interest, forgivable loan. After 5 years of owner-occupancy, the loan converts to a grant. Up to $10,000 in deferred, 0% interest, forgivable down payment and closing cost assistance; loan becomes a grant after 5 years of owner-occupancy. Ang pondo ay mula sa HUD HOME Investment Partnerships Program funds (Northern Panhandle HOME Consortium).

Nag-aalok ang Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties) ng tulong na hanggang $10,000. Ambag ng bibili ng bahay: Borrower must contribute at least $500 of their own funds toward down payment or closing costs. Maaaring isama ang programa sa First mortgage financing; potentially WVHDF programs. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang CHANGE, Inc. (HOME Administrator for Hancock & Brooke Counties), Northern Panhandle HOME Consortium administered by the City of Wheeling ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties) pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Prorated repayment if the borrower sells, transfers, or ceases to occupy the home as a primary residence before completing the 5-year owner-occupancy period; after 5 years the deferred loan converts to a grant. 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 Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties) 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": Applicant must never have owned a home before (strict first-time homebuyer requirement). Tungkol sa credit, sinasabi ng programa: Not specified; applicant must be prequalified for mortgage financing. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng CHIP (304-233-0953); CHANGE, Inc. (304-797-7733); Family Service Credit Counseling (304-232-6733); Community Action Commission of Belmont County (740-695-0293). Requirement sa paninirahan: Home must be a vacant single-family home under contract located within Hancock or Brooke County. Strict never-owned-a-home requirement. $50 refundable application fee plus $500 minimum borrower contribution. Property must be a vacant single-family home in Hancock or Brooke County, under contract, passing HOME inspection.

Nililimitahan ng Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total annual household income must not exceed HUD Section 8 Income Limits for the Weirton/Brooke/Hancock area (~80% AMI). 2024 limits: 1-person $44,800; 2 $51,200; 3 $57,600; 4 $64,000; 5 $69,150; 6 $74,250; 7 $79,400; 8 $84,500. 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 Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties) ang presyo ng pagbili: Not published; subject to HOME maximum purchase price limits and lender requirements. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family.

Pinaglilingkuran ng Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties) ang mga bibili ng bahay sa Hancock|Brooke County, West Virginia.

Dumadaan sa CHANGE, Inc. (HOME Administrator for Hancock & Brooke Counties), Northern Panhandle HOME Consortium administered by the City of Wheeling ang mga aplikasyon para sa Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Apply through CHANGE, Inc. (HOME Administrator); home must be under contract within Hancock or Brooke County; subject to fund availability. 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.