ADFA StartSmart First-Time Homebuyer Program

ADFA StartSmart First-Time Homebuyer Program是面向Arkansas购房者的第一抵押贷款，由Arkansas Development Finance Authority (ADFA)管理。 StartSmart is ADFA's tax-exempt mortgage-revenue-bond-funded first mortgage offering below-market interest rates (approximately 1% below market) and lower monthly payments for first-time homebuyers in Arkansas. It can be paired with ADFA's Down Payment Assistance second mortgage. Serves all 75 Arkansas counties. 30-year fixed-rate first mortgage at approximately 1% below market rate; can be combined with ADFA Down Payment Assistance.

ADFA StartSmart First-Time Homebuyer Program是第一抵押贷款，按Arkansas Development Finance Authority (ADFA)设定的条款偿还。 该援助以first顺位留置权登记。 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。

ADFA StartSmart First-Time Homebuyer Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Veterans/spouses of veterans and buyers in 30 federally targeted counties are exempt from the first-time homebuyer requirement. 该项目列出的最低信用分数为640。 Must be a first-time homebuyer (not owned principal residence in prior 3 years), EXCEPT buyers in one of 30 federally targeted counties and veterans/spouses of veterans, who are exempt. Household income and purchase price limits apply (vary by county/household size). Must use an ADFA-approved lender.

ADFA StartSmart First-Time Homebuyer Program的收入限制如下：Household income cannot exceed maximum limits that vary by county and household size; see ADFA StartSmart Income Limits PDF. 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。

ADFA StartSmart First-Time Homebuyer Program将房价上限设为$500,000。 符合条件的房屋类型包括single_family_detached、condominium、townhome、planned_unit_development、modular、duplex和manufactured。 新建房屋符合条件。 预制房屋符合条件。

ADFA StartSmart First-Time Homebuyer Program在其服务群体中提到了退伍军人和遗属配偶。 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。

ADFA StartSmart First-Time Homebuyer Program服务于在Arkansas任何地方购房的购房者。 该项目针对特定区域：30 federally targeted counties where the first-time homebuyer requirement is waived.

ADFA StartSmart First-Time Homebuyer Program的申请通过Arkansas Development Finance Authority (ADFA)办理，该机构在其网站上公布现行条款和申请步骤。 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。