City of New Britain Homeownership Program (HOP)

City of New Britain Homeownership Program (HOP)是面向New Britain，Connecticut购房者的需偿还的第二贷款，由City of New Britain Department of Planning & Development管理。 A City of New Britain HOME-funded second mortgage for first-time buyers of a 1-4 family owner-occupied home in New Britain, at a fixed 3% interest rate with no prepayment penalty. The maximum loan is 20% of the purchase price plus non-prepaid closing costs (minimum $1,000 per unit), repaid in amortizing monthly payments (minimum $30). The loan term is granted in 5-year increments up to 30 years based on need, and HOME recapture applies if the home is sold within the affordability period. Up to 20% of purchase price as a 3% fixed-rate 2nd mortgage. No prepayment penalty. No origination fees. Can cover non-prepaid closing costs. 1-4 unit owner-occupied. 资金来自Federal和HOME。

City of New Britain Homeownership Program (HOP)按项目规定，提供相当于房价20%的援助。 援助档次：Loan term granted in 5-year increments; may be extended to 10, 15, 20, 25 or 30 years based on need to qualify with the first-mortgage lender (DPD determines). 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决定。

City of New Britain Homeownership Program (HOP)是需偿还的第二贷款，按City of New Britain Department of Planning & Development设定的条款偿还。 触发还款的情形：Amortizing monthly payments (minimum $30/month)和Recapture of HOME assistance if the property is sold within the affordability period。 该援助以2nd Lien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 Homeownership 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，由Neighborhood Housing Services (NHS) or another HUD-approved pre-purchase homebuyer education program.提供。 First-time buyer; complete approved homeownership training (NHS or HUD-approved); principal residence. Minimum $30 monthly payment. HOP funds may NOT pay prepaid interest, taxes, hazard/mortgage insurance first-year premiums or escrows. Apply via a participating first-mortgage lender who registers the loan with DPD for underwriting (contact Deborah Anderson, DPD).

City of New Britain Homeownership 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。 Income limits by household size (rev Nov 2025): 1=$70,950; 2=$81,050; 3=$91,200; 4=$101,300; 5=$109,450; 6=$117,550. Single-family buyers must earn <80% AMI; multi-family (<=4 units) may exceed 80% if 51% of units are occupied by households <80% AMI. Subject to change annually. 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 Homeownership Program (HOP)的房价上限如下：No stated max purchase price; maximum HOP loan is 20% of purchase price plus non-prepaid closing costs; minimum $1,000 per dwelling unit (e.g. $3,000 for a 3-family). 符合条件的房屋类型包括Single Family和2-4 Unit。 新建房屋符合条件。 预制房屋不符合条件。

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

City of New Britain Homeownership Program (HOP)的申请通过City of New Britain Department of Planning & 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。