Journey to Homeownership

Journey to Homeownership是面向Des Moines，Iowa购房者的延期第二贷款。 Journey to Homeownership is NFC's flagship full-amount DPA in the Des Moines metro. Up to $10,000, 0% interest forgivable 2nd mortgage, 5-year forgiveness. Open to repeat buyers as well as FTHB. 640 FICO; ~$70,400-$149,200 income tier; pairs with NFC-originated first mortgage. Journey to Homeownership provides up to $10,000 in down-payment and closing-cost assistance as a 0% interest forgivable second mortgage. Forgiven over 5 years (20% per year) provided the borrower remains in the home as primary residence. Pairs with NFC's first-mortgage products. Targeted at low-to-moderate income buyers in NFC's Des Moines metro service area. 资金来自Local、CDFI、HOME和Bank Partners。

Journey to Homeownership提供$10,500至$15,000的援助。 该项目要求购房者自付$1,000 minimum borrower contribution from own funds。 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。

Journey to Homeownership为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Deferred loan, 0% interest, no monthly payments和due on sale or with a cash-out refinance。 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。

Journey to Homeownership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：640 minimum FICO。 须参加购房者教育课程，由NFC-approved homebuyer education (NFC offers in-house counseling and Framework/eHome America online); required for all borrowers prior to closing.提供。 居住要求：Property must be a 1-2 family owner-occupied home within NFC Lending Areas in Polk County (Des Moines) or Linn County (Cedar Rapids). $15,000 available in Core Neighborhoods; $10,500 elsewhere in lending areas. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien。 Household income at or below ~$149,200 (varies by household size and AMI tier). Minimum 640 FICO. Maximum 45% DTI. $1,000 minimum borrower contribution. Property must be primary residence within NFC's Des Moines metro service area (Polk, Dallas, Story, Warren Counties). Homebuyer education required. 5-year owner-occupancy / forgiveness covenant; pro-rata repayment if borrower sells, refinances out, or vacates within 5 years.

Journey to Homeownership将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income must be below 100% of the Area Median Income for NFC lending areas in Polk and Linn Counties. 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。

Journey to Homeownership的房价上限如下：No flat purchase-price cap; maximum first mortgage loan amount is $300,000. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, 1-2 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Journey to Homeownership在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Journey to Homeownership服务于在Des Moines，Iowa购房的购房者。 该项目针对特定区域：NFC operates designated Neighborhood Reinvestment areas in Des Moines metro where additional DPA, rehab funds, and grant-match programs are layered.

Journey to Homeownership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Reservation through NFC origination process; subject to funding availability.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。