HDF SmartMove Connecticut

HDF SmartMove Connecticut是面向Connecticut购房者的第二抵押贷款，由Housing Development Fund, Inc. (HDF)管理。 SmartMove Connecticut is a statewide low-interest second-mortgage program from the Housing Development Fund (a nonprofit CDFI) that provides down payment and qualified closing-cost assistance of up to 25% of the purchase price to first-time homebuyers purchasing in Connecticut. Borrowers who complete counseling may put down as little as 1% of the purchase price. Low-interest second mortgage of up to 25% of the purchase price for down payment and qualified closing costs; enables down payment as low as 1%. Stackable with other HDF loan products. 资金来自Housing Development Fund (nonprofit/CDFI) revolving loan pool。

HDF SmartMove Connecticut按项目规定，提供相当于房价25%的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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Housing Development Fund, Inc. (HDF)决定。

HDF SmartMove Connecticut是第二抵押贷款，按Housing Development Fund, Inc. (HDF)设定的条款偿还。 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。

HDF SmartMove Connecticut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。 First-time homebuyer defined as not having owned a home in the last 3 years (applies to applicant, co-applicants, and non-borrowing spouses). Must be a U.S. citizen, permanent resident, or hold an approved visa. No bankruptcy in the last 4 years (from discharge) and no foreclosure in the last 7 years. No outstanding collections, charge-offs, or past-due accounts (or paid prior to applying). Must have funds for at least 1% down plus inspection/appraisal fees, one year of homeowners insurance, and reserves. First mortgage must be a 30-year fixed-rate mortgage; no cash back at closing. Eligible properties: condos, single-family, 2-4 unit multi-family, PUDs, and manufactured homes only if affixed to foundation (co-ops excluded). Home inspection required; landlord training required if buying multi-family. Interest rate (~3%) subject to change; confirm current rate with HDF.

HDF SmartMove Connecticut的收入限制如下：Household income cannot exceed HDF's income guidelines for SmartMove Connecticut (vary by HDF service area; see SmartMove CT income limits / service-area map). 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。

HDF SmartMove Connecticut服务于在Connecticut任何地方购房的购房者。

HDF SmartMove Connecticut的申请通过Housing Development Fund, Inc. (HDF)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。