City of New Britain HOME Ownership Program (HOP)

City of New Britain HOME Ownership Program (HOP)是面向New Britain，Connecticut购房者的第二抵押贷款，由City of New Britain, Department of Planning & Development (Commission on Community & Neighborhood Development)管理。 The City of New Britain uses HUD HOME funds to provide a second-mortgage loan to qualifying first-time homebuyers purchasing an existing or newly constructed 1-4 family property in New Britain. Funds may be used for down payment and non-prepaid closing costs. Second mortgage at a fixed 3% interest rate with no prepayment penalty for down payment and non-prepaid closing costs. 资金来自Federal HUD HOME Investment Partnerships funds。

City of New Britain HOME Ownership Program (HOP)按项目规定，提供相当于房价20%的援助。 金额是该项目公布的上限，并非报价——具体每人的援助金额由City of New Britain, Department of Planning & Development (Commission on Community & Neighborhood Development)决定。

City of New Britain HOME Ownership Program (HOP)是第二抵押贷款，按City of New Britain, Department of Planning & Development (Commission on Community & Neighborhood Development)设定的条款偿还。 触发还款的情形：Sale of the property within the affordability period triggers recapture/repayment of all or a portion of HOME assistance. 该援助以subordinate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。

City of New Britain HOME Ownership Program (HOP)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。 须参加购房者教育课程。 Minimum loan $1,000 per dwelling unit; maximum HOP loan is 20% of purchase price plus non-prepaid closing costs; minimum monthly payment $30. Maximum CLTV 100% without closing cost assistance, 105% with closing cost assistance. Cannot be used for prepaid interest, taxes, hazard/mortgage insurance first-year premiums, or escrows. Home and pest inspections required; property must meet City Building Code at closing with no code violations. Multi-family properties subject to HUD rental restrictions and no tenant displacement. Recapture restrictions apply: borrower agrees to repay all or a portion of HOME assistance if the property is sold within the affordability period. For multi-family (up to 4 units), income may exceed 80% AMI if 51% of units are occupied by households below 80% AMI. Income limits subject to annual change.

City of New Britain HOME Ownership Program (HOP)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Single-family purchasers must have income less than 80% of area median income for the New Britain area. Sample income limits (subject to annual change): 1 person $62,600; 2 $71,550; 3 $80,500; 4 $89,400; 5 $96,600; 6 $103,750. 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。

City of New Britain HOME Ownership Program (HOP)服务于在New Britain，Connecticut购房的购房者。

City of New Britain HOME Ownership Program (HOP)的申请通过City of New Britain, Department of Planning & Development (Commission on Community & Neighborhood Development)办理，该机构在其网站上公布现行条款和申请步骤。 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。