NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance

NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance是面向Des Moines，Iowa购房者的可免除贷款，由Neighborhood Finance Corporation (NFC)管理。 The NFC Advantage Loan combines an NFC first/second mortgage with a forgivable renovation loan of up to $15,000 to help homebuyers buy and improve a home in an NFC lending area. The renovation loan is forgiven 20% per year and fully forgiven after five years of continued occupancy. Qualified homebuyers earning at/below 100% AMI may also receive a separate 0% interest deferred down payment assistance loan of up to $15,000. The 80/15 structure removes the need for PMI, and NFC lends on after-renovation value. Forgivable renovation loan up to $15,000 (20%/year, forgiven in 5 years). Separate deferred DPA up to $15,000 at 0%. No PMI via 80/15 structure. Lends on after-renovation value. Wide range of eligible improvements. 资金来自Neighborhood Finance Corporation (NMLS #8943).

NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance提供最高$15,000的援助。 援助档次：Forgivable renovation loan up to $15,000 (separate from up to $15,000 deferred DPA loan). 该项目可与NFC Neighborhood Reinvest DPA, NFC Energy Advantage, other NFC programs.结合使用。 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Neighborhood Finance Corporation (NFC)决定。

NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance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：Forgivable renovation loan: 20% forgiven each year, fully forgiven after 5 years if owner continues to live in home; separate deferred DPA loan repaid on sale/refinance. 该援助以Second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。

NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由NFC-approved homebuyer education (8 hours for the deferred DPA component); HOME Inc. (Polk), Horizons (Linn).提供。 居住要求：Home in an NFC lending area (Des Moines metro and Cedar Rapids mapped areas). Renovation loan forgivable 20%/year over 5 years; DPA component is a 0% deferred loan repaid on sale/refinance. Requires NFC first-mortgage financing and an NFC lending-area property. $125 application fee. Distinct from the already-cataloged NFC 'Neighborhood Reinvest' and 'NFC Closing Cost Assistance'.

NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance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。 Down payment assistance component requires household income at/below 100% AMI (per NFC 2026 HUD limits); renovation loan component eligibility may differ. 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。

NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance服务于在Des Moines，Iowa购房的购房者。 该项目针对特定区域：NFC lending map areas in the Des Moines metro (Des Moines, West Des Moines, Windsor Heights, Urbandale) and Cedar Rapids.

NFC Advantage Loan - Forgivable Renovation Loan & Down Payment Assistance的申请通过Neighborhood Finance Corporation (NFC)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Apply through an NFC Loan Originator (Des Moines or Cedar Rapids).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。