Tribal Equity Advantage Mortgage (TEAM)

Tribal Equity Advantage Mortgage (TEAM)是面向Fairbanks，Alaska购房者的补助金，由Interior Regional Housing Authority (IRHA)管理。 The Tribal Equity Advantage Mortgage (TEAM) provides Alaska Native/American Indian homebuyers in the Fairbanks area a grant of up to 20% of the purchase price (homes up to $300,000) to cover down payment and closing costs. Buyers obtain their own mortgage; funds are awarded first-come, first-served and are NAHASDA/IHBG funded. Grant up to 20% of purchase price. Covers down payment and closing costs. No repayment. Works with buyer's own mortgage. 资金来自NAHASDA / Indian Housing Block Grant (HUD)。

Tribal Equity Advantage Mortgage (TEAM)按项目规定，提供相当于房价20%的援助。 购房者自付部分：Buyer contributes 100% of the required earnest money。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Interior Regional Housing Authority (IRHA)决定。

Tribal Equity Advantage Mortgage (TEAM)属于补助金，因此无需偿还。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Tribal Equity Advantage Mortgage (TEAM)面向将房屋作为主要住所自住的购房者。 居住要求：Fairbanks area。 公民身份或移民身份：Alaska Native or American Indian with Certificate of Indian Blood (CIB) or Tribal enrollment。 Must be Alaska Native/American Indian with CIB or Tribal enrollment; lender pre-approval required; household income at/below HUD limits; buyer funds 100% of earnest money; property limited to SF/townhouse/condo up to $300,000. Lien position, forgiveness, credit, DTI, annual cap not stated on official sources.

Tribal Equity Advantage Mortgage (TEAM)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Family income at or below HUD's 80% income limit. 2025 Alaska MFI $114,300 / Fairbanks $114,900; 80% 4-person ~$91,440 (Alaska) / $91,920 (Fairbanks). 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Tribal Equity Advantage Mortgage (TEAM)将房价上限设为$300,000。 符合条件的房屋类型包括Single Family、Townhouse和Condo。 新建房屋不符合条件。 预制房屋不符合条件。

Tribal Equity Advantage Mortgage (TEAM)在其服务群体中提到了美洲印第安人和阿拉斯加原住民购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Tribal Equity Advantage Mortgage (TEAM)服务于在Fairbanks，Alaska购房的购房者。

Tribal Equity Advantage Mortgage (TEAM)的申请通过Interior Regional Housing Authority (IRHA)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First come, first served after a complete application and lender pre-approval letter预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。