MIMAP Moderate Income Mortgage Assistance Program

MIMAP Moderate Income Mortgage Assistance Program是面向Durango，Colorado购房者的增值共享贷款。 MIMAP is HomesFund's umbrella moderate-income tier of shared-appreciation DPA, typically 80%-100% AMI households. Funded by HomesFund's blended CDFI capital pool (Treasury CDFI Fund awards, foundation PRIs, individual lenders, AHIF allocations). Acts as the catch-all middle-income tier between AFFORDABILITY (<=80% AMI) and 100+ ADVANTAGE (>100% AMI). MIMAP (Moderate Income Mortgage Assistance Program) is the broader middle-income tier (typically 80%-100% AMI) of HomesFund's shared-appreciation DPA. Loan amounts $15,000-$100,000+. Same deferred shared-appreciation 2nd-mortgage structure: no monthly payment for life of loan, repaid at sale/refi/transfer or 30-year maturity with pro-rata share of appreciation. 资金来自CDFI、Foundation和Local Government。

MIMAP Moderate Income Mortgage Assistance 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。

MIMAP Moderate Income Mortgage Assistance 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。 Standard HomesFund underwriting -- Homebuyer Education, 1-on-1 counseling, owner-occupancy, asset/net-worth caps. Subject to fund availability. Cannot own other residential RE at closing.

MIMAP Moderate Income Mortgage Assistance 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。 Approximately 80%-120% AMI moderate-income band. Per Freddie Mac DPA One: $48,720 (1-person, smaller county) to $137,200 (large-household, La Plata). 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。

MIMAP Moderate Income Mortgage Assistance 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。

MIMAP Moderate Income Mortgage Assistance Program服务于在Durango，Colorado购房的购房者。

MIMAP Moderate Income Mortgage 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HomesFund underwriting; first-come, first-served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。