Cottonwood Homeownership Program (CHP)

Cottonwood Homeownership Program (CHP)是面向Cottonwood，Arizona购房者的延期第二贷款。 The City of Cottonwood's flagship workforce homeownership assistance program, administered by Housing Solutions of Northern Arizona. Provides a 3:1 city match (up to $15,000) of buyer-contributed funds toward down payment and closing costs for low-to-moderate-income households employed within the City of Cottonwood and purchasing a primary residence in the Verde Valley. The program is designed to increase homeownership rates among the local workforce and to revitalize and stabilize the Cottonwood community. Up to $15,000 in down payment / closing cost assistance for low-to-moderate income households employed within the City of Cottonwood, structured as a 3:1 match of the buyer's contribution. First-time Verde Valley homebuyers can receive up to $40,000 in total combined assistance when stacked with companion programs. 资金来自Local Government。

Cottonwood Homeownership Program (CHP)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale, transfer, refinance with cash-out, or loss of owner-occupancy和repaid via equity-share / shared-appreciation formula。 该援助以2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。

Cottonwood Homeownership Program (CHP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Mortgage-eligible based on credit and employment (no published minimum score)。 须参加购房者教育课程，由Housing Solutions of Northern Arizona提供。 居住要求：Must be employed within the City of Cottonwood; must purchase home in the Verde Valley (approved zip codes). 公民身份或移民身份：U.S. citizen or eligible non-citizen (per mortgage requirements)。 Buyer must be employed within the City of Cottonwood; household must be low-to-moderate income (income table $87,150 - $134,550 per program PDF, scaled by household size). Mandatory homebuyer counseling through Housing Solutions of Northern Arizona. Home must be a primary residence located within the Verde Valley (per approved zip codes). City of Cottonwood is repaid via an equity-share / shared-appreciation formula upon sale, transfer, refinance with cash-out, or loss of owner-occupancy. Contact: Angela Koder, HSNA Housing Program Manager (928-214-7456 / angelak@housingnaz.org).

Cottonwood Homeownership Program (CHP)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income $87,150 - $134,550 per the CHP brochure income table; roughly aligned with 80%-120% AMI for Yavapai County, scaled by household size. 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。

Cottonwood Homeownership Program (CHP)的房价上限如下：No published maximum purchase price。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。

Cottonwood Homeownership Program (CHP)服务于在Cottonwood，Arizona购房的购房者。

Cottonwood Homeownership Program (CHP)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Application via Housing Solutions of Northern Arizona (housingnaz.org/prepurchase)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。