CalHFA School Teacher and Employee Assistance Program (STEAP)

CalHFA School Teacher and Employee Assistance Program (STEAP)是面向California购房者的延期第二贷款。 Up to 3.5% of purchase price as a deferred-payment silent second (2.5% interest) for K-12 California public/charter school employees including teachers, administrators, and support staff. Must be used with CalHFA first mortgage. Up to 3.5% of purchase price in assistance. no monthly payments on DPA. 资金来自State。

CalHFA School Teacher and Employee Assistance Program (STEAP)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, refinance, or payoff of first mortgage。 该援助以Second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。

CalHFA School Teacher and Employee Assistance Program (STEAP)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：Minimum 660 FICO score required for all borrowers。 须参加购房者教育课程，由HUD-approved homebuyer counseling agency提供。 居住要求：Primary residence; must be employed at CA K-12 public or charter school。 公民身份或移民身份：U.S. citizen, permanent resident alien, or other eligible non-citizen。 Must be employed by K-12 public school, community college, or county/state education agency; must use CalHFA first mortgage; school must be in targeted area.

CalHFA School Teacher and Employee Assistance Program (STEAP)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。 Contact program provider for current income limits. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

CalHFA School Teacher and Employee Assistance Program (STEAP)将房价上限设为$765,000。 符合条件的房屋类型包括Single-family (1-4 unit), FHA-approved condominium, townhome/PUD。 新建房屋符合条件。 预制房屋符合条件。

CalHFA School Teacher and Employee Assistance Program (STEAP)在其服务群体中提到了教育工作者。 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。

CalHFA School Teacher and Employee Assistance Program (STEAP)服务于在California任何地方购房的购房者。

CalHFA School Teacher and Employee Assistance Program (STEAP)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CalHFA Lender Portal (CLMS)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。