Sedona Workforce Homeownership Assistance Program

Sedona Workforce Homeownership Assistance Program是面向Sedona，Arizona购房者的延期第二贷款。 Workforce homeownership program offered by the City of Sedona through Housing Solutions of Northern Arizona. Provides a 2.5:1 city match (up to $25,000) of the buyer's contribution toward down payment and closing costs for households employed at least 30 hours/week by any employer located within Sedona city limits. Combined with companion programs the City offers up to $40,000 in total assistance, including the option to apply funds to interest-rate buy-downs. Up to $25,000 in down payment / closing cost assistance for households employed within Sedona city limits, structured as a 2.5:1 match of buyer's contribution (up to $10,000 of borrower funds matched with up to $25,000 of program funds). Funds may be used for down payment, closing costs, or rate buy-downs (combined city programs offer up to $40,000). 资金来自Local Government。

Sedona Workforce Homeownership Assistance Program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。

Sedona Workforce Homeownership Assistance Program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 income (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 work at least 30 hours/week for an employer located within Sedona city limits; must purchase home in the Verde Valley. 公民身份或移民身份：U.S. citizen or eligible non-citizen (per mortgage requirements)。 Buyer must be employed at least 30 hours per week by an employer located within Sedona city limits; the employer must verify the employee's job duties cannot be completed remotely. Household income at or below 150% AMI ($105,000-$161,850 per the program brochure income table). Mandatory homebuyer counseling through Housing Solutions of Northern Arizona. Eligible properties anywhere in the Verde Valley. The City of Sedona is repaid using an equity-share / shared-appreciation formula upon sale, transfer, refinance with cash-out, or loss of owner-occupancy. Contact: Angela Koder, HSNA (928-214-7456) or Shannon Boone, City of Sedona (928-203-5126, sboone@sedonaaz.gov).

Sedona Workforce Homeownership Assistance Program将家庭收入限制在地区收入中位数的150%，该数值因县和家庭人数而异。 Household income $105,000 - $161,850 (program PDF income table); roughly equivalent to 150% AMI for Yavapai/Sedona area, 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。

Sedona Workforce Homeownership Assistance Program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。

Sedona Workforce Homeownership Assistance Program服务于在Sedona，Arizona购房的购房者。

Sedona Workforce Homeownership Assistance Program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。