Idaho Heroes Second Mortgage

Idaho Heroes Second Mortgage是面向Statewide，Idaho购房者的需偿还的第二贷款。 The Idaho Heroes Loan Program from IHFA combines a 30-year fixed-rate first mortgage at a SPECIAL REDUCED rate with a repayable second-mortgage DPA of up to 7% of the lesser of sales price or appraised value. Designed exclusively for Idaho's frontline workforce: active-duty military, veterans, law enforcement, firefighters, paramedics/EMTs, healthcare professionals, K-12 educators and retail workers. No first-time-homebuyer requirement; income up to $170,000; minimum $500 borrower contribution; mandatory Finally Home! Homebuyer Education. Repayable second-mortgage down payment and closing-cost assistance up to 7% of the lesser of sales price or appraised value, paired with an IHFA first mortgage at a SPECIAL REDUCED interest rate available only to qualifying 'heroes' (active military, veterans, law enforcement, firefighters, paramedics/EMTs, healthcare professionals, K-12 educators and retail workers). Borrower contributes as little as $500 of their own funds. No first-time-homebuyer requirement. Income limit $170,000 statewide. Repaid as a separate small monthly payment over 15 years. 资金来自State、HFA和Bond。

Idaho Heroes Second Mortgage是需偿还的第二贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Monthly amortizing payments over 15 years alongside primary mortgage和balance due at sale, refinance, or non-occupancy。 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。

Idaho Heroes Second Mortgage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 620 FICO; some loan products require 640+。 须参加购房者教育课程，由Finally Home! Homebuyer Education (IHFA's education program; required) - online or in-person; finallyhome.org提供。 居住要求：Property must be located in Idaho and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualifying permanent/non-permanent resident alien per IHFA product overlays。 Borrower must be employed in a qualifying 'hero' occupation: active-duty military, military veterans, law enforcement officers, firefighters, paramedics/EMTs, healthcare professionals, K-12 educators (teachers and school staff), or retail workers. Documentation of qualifying employment required. Must be primary residence. Household income may not exceed $170,000. Borrower contributes minimum $500 of own funds. Must complete Finally Home! Homebuyer Education prior to closing. Minimum 620 FICO (640 for some product overlays). Standard IHFA underwriting and product overlays apply.

Idaho Heroes Second Mortgage将家庭收入限制在$170,000。 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。

Idaho Heroes Second Mortgage的房价上限如下：No published statewide purchase price cap on the second mortgage; first-mortgage product caps apply (FHA/VA/USDA/Conventional loan limits). 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (per first-mortgage product), manufactured (per overlays)。 新建房屋符合条件。 预制房屋符合条件。

Idaho Heroes Second Mortgage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、遗属配偶、教育工作者、执法人员、消防员和医护人员。 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。

Idaho Heroes Second Mortgage服务于在Statewide，Idaho购房的购房者。 该项目针对特定区域：IHFA designates federally qualified target areas with relaxed first-time homebuyer and income limits; see IHFA Lender Connection for current target-area census tracts.

Idaho Heroes Second Mortgage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Loan officer reserves funds via Idaho Housing's Lender Connection portal at time of loan locking; subject to bond/program 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。