IMPACT Program

IMPACT Program是面向Durango，Colorado购房者的增值共享贷款。 IMPACT is HomesFund's program tier funded by socially-responsible impact-investor capital (foundation PRIs, religious endowments, individual investor lenders to HomesFund's CDFI loan fund). Capital is loaned to HomesFund at below-market rates, allowing HomesFund to deploy as DPA 2nd mortgages with a 15-year affordability covenant (deed restriction) on certain loans. 80%-100% AMI tier. Shared-appreciation note -- no monthly payment, repaid at sale/refi/transfer or maturity. HomesFund's IMPACT-fund-capitalized tier of shared-appreciation DPA (capital sourced from socially-motivated impact investors / philanthropic loan fund). 80%-100% AMI tier. loan amounts $15,000-$100,000+. Same shared-appreciation note structure -- no monthly payment, principal + appreciation share at sale/refi/transfer or 30-year maturity. Some IMPACT-funded loans carry a deed-restriction (affordability covenant) per the impact investor's terms -- verify per loan. 资金来自CDFI、Foundation和Private Investors。

IMPACT 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, cash-out refi, loss of owner-occupancy, or 30-year maturity。 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。

IMPACT 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。 须参加购房者教育课程，由HomesFund HUD-approved Homebuyer Education + 1-on-1 counseling.提供。 居住要求：Owner-occupied; 5-county service area。 公民身份或移民身份：Per 1st-mortgage AUS。 Some IMPACT-funded loans carry a 15-year affordability clause (deed restriction) ensuring long-term affordability per HomesFund's published construction-loan companion product. Standard HomesFund underwriting. Owner-occupancy. Asset/net-worth caps. Subject to IMPACT-fund availability.

IMPACT Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 80%-100% AMI band. Per Freddie Mac DPA One: $60,900 to $137,200 (household-size and county dependent). 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。

IMPACT Program将房价上限设为$640,000。 符合条件的房屋类型包括SFR, townhome, condo, PUD, manufactured w/ land。 新建房屋符合条件。 预制房屋符合条件。

IMPACT Program服务于在Durango，Colorado购房的购房者。

IMPACT 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HomesFund underwriting; subject to IMPACT-fund capital availability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。