Essex Mortgage Forgivable/Deferred Program

Essex Mortgage Forgivable/Deferred Program是面向Statewide，California购房者的可免除贷款。 30-year deferred DPA. Forgiveness available after 3 years when required parameters met. Compatible with Conv, FHA, VA, USDA first. Up to 5% of mortgage loan amount as DPA structured as a 30-year forgivable or deferred second mortgage. 3-year forgiveness option available when conditions met. 这是一个全国项目，适用范围不限于单个州或城市。 资金来自Essex Mortgage。

Essex Mortgage Forgivable/Deferred Program在3年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：sale, refinance, or end of 30-year term (forgivable after 3 years if conditions met)。 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。

Essex Mortgage Forgivable/Deferred Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Required - HUD-approved提供。 Sourced via Homebuyer Wallet (MULTI250165). Available in most US states; lender-administered. Lender responsible for verifying income and purchase price limits. Conforming and high-balance loans permitted; 2/1 buydowns allowed on FHA first.

Essex Mortgage Forgivable/Deferred Program的收入限制如下：Lender-set per program guidelines; flexible qualifying。 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。

Essex Mortgage Forgivable/Deferred Program可用于Single-family, Condo, Townhouse。

Essex Mortgage Forgivable/Deferred Program是全国项目，因此不限于某一个州。

Essex Mortgage Forgivable/Deferred Program的申请通过管理该项目的机构办理。 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。