Intown Mortgage Assistance Program (IMAP)

Intown Mortgage Assistance Program (IMAP)是面向Atlanta，Georgia购房者的可免除贷款。 The Intown Mortgage Assistance Program (IMAP) is an Invest Atlanta homebuyer incentive that provides up to $10,000 in down payment, closing-cost, or permanent interest-rate buydown assistance to buyers purchasing a home within the City of Atlanta. The assistance is delivered as a 0% interest soft second mortgage fully forgiven after the buyer lives in the property as their primary residence for 5 years. IMAP pairs with a 30-year fixed-rate FHA, VA, or conventional first mortgage from an Invest Atlanta participating lender and is intended for in-town moderate-income buyers. Up to $10,000 in down payment, closing-cost or interest-rate buydown assistance paired with a 30-year fixed FHA, VA, or conventional first mortgage from an Invest Atlanta participating lender. Structured as a 0% soft second mortgage fully forgiven after 5 years of owner-occupancy. 资金来自Invest Atlanta / Urban Residential Finance Authority bond proceeds and program income。

Intown Mortgage Assistance Program (IMAP)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)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。

Intown Mortgage Assistance Program (IMAP)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：660 minimum (680 for some loan/DTI combinations)。 须参加购房者教育课程，由Invest Atlanta-approved homebuyer education providers (HUD-approved counseling agencies)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. Borrower must contribute $1,500 of own funds (off-closing purchases count). Liquid-asset cap of $25,000. Minimum FICO 660 (680 may apply by loan type/DTI). Maximum DTI per AUS / participating lender. Borrower may not own other real property at closing. Owner-occupied primary residence required. Program fee of $1,200. Must complete pre-purchase homebuyer education with an approved provider. Must qualify with an Invest Atlanta participating lender.

Intown Mortgage Assistance Program (IMAP)将家庭收入限制在$139,320。 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。

Intown Mortgage Assistance Program (IMAP)将房价上限设为$385,000。 符合条件的房屋类型包括Single-Family、Townhome、Condo和2-4 Unit。 新建房屋符合条件。 预制房屋不符合条件。

Intown Mortgage Assistance Program (IMAP)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。

Intown Mortgage Assistance Program (IMAP)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。