100+ Advantage Loan Program

100+ Advantage Loan Program是面向Durango，Colorado购房者的增值共享贷款。 100+ Advantage is HomesFund's middle-/workforce-income tier of shared-appreciation down payment assistance. Designed for households earning above 100% AMI but who are still priced out of southwest Colorado's expensive housing market (Durango median home prices routinely exceed $600K). HomesFund acts as a co-investor: provides a deferred-payment 2nd mortgage in exchange for a pro-rata share of the home's future appreciation. Repayment due at sale, transfer, cash-out refi, loss of owner-occupancy, or 30-year maturity. Workforce / above-100%-AMI tier of HomesFund's shared-appreciation down payment assistance loan. Up to $100,000+ (typical range $15,000-$100,000) of 2nd-mortgage assistance with NO MONTHLY PAYMENT FOR THE LIFE OF THE LOAN. Principal plus pro-rata share of home appreciation repaid at sale, cash-out refi, title transfer, loss of owner-occupancy, or 30-year maturity. 资金来自CDFI、Local Government和Foundation。

100+ Advantage Loan Program是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale, transfer of title, cash-out refinance, loss of owner-occupancy, or 30-year maturity -- principal plus pro-rata share of appreciation due。 该援助以2nd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。

100+ Advantage Loan Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO; lender overlays may apply。 须参加购房者教育课程，由HomesFund-administered HUD-approved Homebuyer Education (online via eHome America or in-person classes scheduled through https://homesfund.org/attend-a-class/). Required 1-on-1 counseling with a HomesFund Housing Counselor.提供。 居住要求：Property must be borrower's primary residence and located in La Plata, Montezuma, Archuleta, Dolores, or San Juan County, CO。 公民身份或移民身份：Per first-mortgage product / AUS findings。 Must complete HomesFund Homebuyer Education and submit complete application package; meet with a HomesFund Housing Counselor. Must intend property as primary residence. Borrower may not own other residential real estate at closing (concurrent closings permitted). Asset/net-worth caps apply per HomesFund underwriting. Property must be located in HomesFund's 5-county service area. Subject to fund availability.

100+ Advantage Loan 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。 Income limits vary by household size and county within the 5-county service area. 100+ Advantage tier serves households >100% AMI up to approximately 150% AMI. Per Freddie Mac DPA One: $60,900 (1-person, smallest-county) to $164,640 (large-household, La Plata). Verify current HUD income limits with HomesFund staff. 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。

100+ Advantage Loan Program将房价上限设为$640,000。 符合条件的房屋类型包括Single-family detached, townhome, warrantable condo, PUD, manufactured home (with land, on permanent foundation)。 新建房屋符合条件。 预制房屋符合条件。

100+ Advantage Loan Program服务于在Durango，Colorado购房的购房者。

100+ Advantage Loan 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First-come, first-served via complete application package to HomesFund (https://homesfund.org/application/); reviewed by HomesFund underwriting/loan committee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。