Northern Panhandle HOME Consortium First Time Homebuyer Program (Marshall County)

Ang Northern Panhandle HOME Consortium First Time Homebuyer Program (Marshall County) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Marshall County, West Virginia, na pinangangasiwaan ng Marshall County HOME Administrator, Northern Panhandle HOME Consortium administered by the City of Wheeling. Marshall County participates in the Northern Panhandle HOME Consortium First Time Homebuyer Program, 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 (Marshall County) 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 Marshall County HOME Administrator, 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 (Marshall County) 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 (Marshall County) 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 Marshall 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 Marshall County, under contract, passing HOME inspection. Posted income limits are outdated (2008); current-year HUD Section 8 limits must be re-verified before publishing.

Nililimitahan ng Northern Panhandle HOME Consortium First Time Homebuyer Program (Marshall County) 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 Wheeling/Ohio/Marshall County area (~80% AMI). Current-year limits must be confirmed; only outdated 2008 figures are posted on the Wheeling site. 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 (Marshall County) 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 (Marshall County) ang mga bibili ng bahay sa Marshall County, West Virginia.

Dumadaan sa Marshall County HOME Administrator, Northern Panhandle HOME Consortium administered by the City of Wheeling ang mga aplikasyon para sa Northern Panhandle HOME Consortium First Time Homebuyer Program (Marshall County), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Apply through the Marshall County HOME Administrator; home must be under contract within Marshall 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.