ATL Home Renovation Advantage

ATL Home Renovation Advantage是面向Atlanta，Georgia购房者的可免除贷款。 ATL Home Renovation Advantage is an Invest Atlanta homebuyer incentive that pairs with an FHA 203(k) or Fannie Mae HomeStyle renovation first mortgage to provide $20,000 in down payment and closing-cost assistance for buyers purchasing and rehabbing a home within the City of Atlanta. The assistance is structured as a 0% interest soft second mortgage that is fully forgiven after the buyer occupies the home as their primary residence for 5 years. Designed to expand homeownership in Atlanta neighborhoods with older or distressed housing stock by combining purchase and rehabilitation financing with DPA. Up to $20,000 toward down payment and/or closing costs as a 0% soft second mortgage, fully forgiven after 5 years of owner-occupancy. Designed to be paired with an FHA 203(k) or Fannie Mae HomeStyle renovation first mortgage so the buyer can purchase a home that needs rehabilitation in the City of Atlanta. 资金来自Invest Atlanta / Urban Residential Finance Authority bond proceeds and program income。

ATL Home Renovation Advantage提供最高$20,000的援助。 该项目要求购房者自付$1,500 borrower contribution (purchases outside closing count)。 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管理该项目的机构决定。

ATL Home Renovation Advantage在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, transfer, refinance (cash-out), or loss of owner-occupancy within the 5-year affordability period。 该援助以Subordinate (2nd lien) to renovation first mortgage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。

ATL Home Renovation Advantage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：Minimum FICO determined by participating lender; typically 640-660+。 须参加购房者教育课程，由Resources for Residents & Communities和Committed to Communities提供。 居住要求：Property must be located within the City of Atlanta city limits and occupied as primary residence。 Property must be located within the city limits of Atlanta. Buyers cannot exceed $25,000 in liquid assets. Must contribute $1,500 of own funds. Must qualify for a 30-year fixed FHA, VA, or conventional first mortgage with an Invest Atlanta participating lender. Must complete a special renovation education class with Resources for Residents & Communities or Committed to Communities. Program fee of $1,200 to cover education cost. Owner-occupied required, no other property ownership at closing. Must be paired with an FHA 203(k) or Fannie Mae HomeStyle renovation loan.

ATL Home Renovation Advantage将家庭收入限制在$148,080。 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。

ATL Home Renovation Advantage将房价上限设为$428,000。 符合条件的房屋类型包括Single-Family、2-4 Unit、Townhome和Condo。 新建房屋符合条件。 预制房屋不符合条件。

ATL Home Renovation Advantage服务于在Atlanta，Georgia购房的购房者。 该项目针对特定区域：Properties must be within the city limits of Atlanta。

ATL Home Renovation Advantage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Reservations made by participating lender through eHousingPlus once buyer is under contract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。