Invest Atlanta - Vine City Renaissance Initiative (VCRI)

Invest Atlanta - Vine City Renaissance Initiative (VCRI)是面向Atlanta - Vine City，Georgia购房者的可免除贷款。 The Vine City Renaissance Initiative (VCRI) provides $20,000 in forgivable down payment and closing cost assistance for homebuyers purchasing within the Vine City neighborhood of Atlanta. The assistance is structured as a 0% soft second mortgage, fully forgiven after 5 years of owner-occupancy. A $1,000 program fee is required. Homebuyers may also use this incentive with a home renovation mortgage loan. $20,000 forgivable loan for down payment and closing cost assistance in the Vine City neighborhood of Atlanta. 0% interest rate with no monthly payments. Fully forgiven after 5 years of owner-occupancy (pro-rated forgiveness). $1,000 program fee required. Option to pair with a home renovation mortgage loan. Compatible with FHA, VA, and Conventional first mortgages. Must purchase within Vine City Tax Allocation District (TAD) boundaries. 资金来自Local Government。

Invest Atlanta - Vine City Renaissance Initiative (VCRI)提供最高$20,000的援助。 该项目要求购房者自付$1,500 of their own funds; items purchased outside of closing count toward this requirement。 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。

Invest Atlanta - Vine City Renaissance Initiative (VCRI)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、Refinance、No Longer Primary和Transfer of Title。 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。

Invest Atlanta - Vine City Renaissance Initiative (VCRI)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：3 years since last ownership。 关于信用，该项目说明：The minimum credit score requirement is determined by each participating lender. 须参加购房者教育课程，由Resources for Residents & Communities和Committed to Communities提供。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Property must be located within the incentive boundaries: Donald L. Hollowell Pkwy to the north, Northside Dr to the east, Martin Luther King Jr. Dr. to the south, Joseph E. Lowery to the west、Must qualify for a 30-year fixed-rate FHA, VA or conventional mortgage loan with an Invest Atlanta participating lender、The minimum credit score requirement is determined by each participating lender、Must attend a special renovation education class by Resources for Residents & Communities or Committed to Communities、Program fee of $1,000, to cover the cost of education and ensure commitment to the 5-year minimum living requirement、Homebuyers cannot exceed $35,000 in liquid assets、Participants cannot own interest in any other property、The property must be owner-occupied and cannot be manufactured和No maximum purchase price.

Invest Atlanta - Vine City Renaissance Initiative (VCRI)将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 140% AMI. 1 person: $115,500; 2 persons: $132,020; 3 persons: $148,540; 4 persons: $164,920; 5 persons: $178,220. 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。

Invest Atlanta - Vine City Renaissance Initiative (VCRI)可用于Single Family、2-4 Unit、Townhouse、Condo和New Construction。 新建房屋符合条件。 预制房屋不符合条件。

Invest Atlanta - Vine City Renaissance Initiative (VCRI)服务于在Atlanta - Vine City，Georgia购房的购房者。 该项目针对特定区域：Vine City neighborhood in Atlanta, GA. Property must be located within the Vine City Tax Allocation District (TAD) boundaries.

Invest Atlanta - Vine City Renaissance Initiative (VCRI)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First-Come-First-Served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。