Brightpoint Home Advantage

Brightpoint Home Advantage是面向Fort Wayne，Indiana购房者的第一抵押贷款，由Brightpoint Development Fund / Midwest America Federal Credit Union管理。 Brightpoint Home Advantage is a pilot mortgage-access program by Brightpoint Development Fund (Community Action agency of Northeast Indiana, Prosperity Indiana member) with Midwest America Federal Credit Union. A reserve guarantees 90% of loan deficiency in default, enabling lending to credit-worthy buyers facing barriers to conventional mortgage access. At least 84% of loans reserved for Allen County; up to 16% statewide. Mortgage loans up to $225,000 for primary residence purchase; up to 100% financing of appraised value (105% with approved improvements); accepts credit scores as low as 580; housing counseling from Brightpoint. 资金来自Fort Wayne New Market Tax Credit LLC ($500,000 reserve); Brightpoint Development Fund ($100,000 reserve); Midwest America Federal Credit Union。

Brightpoint Home Advantage提供最高$225,000的援助。 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Brightpoint Development Fund / Midwest America Federal Credit Union决定。

Brightpoint Home Advantage是第一抵押贷款，按Brightpoint Development Fund / Midwest America Federal Credit Union设定的条款偿还。 该援助以1st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。

Brightpoint Home Advantage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 580; non-traditional credit may be considered after counseling。 须参加购房者教育课程，由Brightpoint housing counseling and homeownership readiness services提供。 公民身份或移民身份：US citizens, permanent residents, or non-permanent residents with valid work visa。 Applicants must be referred by Brightpoint. Must meet Midwest America FCU underwriting guidelines. Income may not exceed 120% AMI. Must complete required homebuyer counseling. Must set up autopay. Past eviction or criminal history not automatically disqualifying. $1,500 minimum for closing costs. Home must be in Indiana; at least 84% of loans in Allen County. Pilot program; fund availability subject to change.

Brightpoint Home Advantage将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 120% AMI for Fort Wayne MSA. $73,900 (1-person), $84,500 (2-person). Full table by household size on program page. 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。

Brightpoint Home Advantage可用于single_family。 新建房屋符合条件。

Brightpoint Home Advantage服务于在Fort Wayne，Indiana购房的购房者。

Brightpoint Home Advantage的申请通过Brightpoint Development Fund / Midwest America Federal Credit Union办理，该机构在其网站上公布现行条款和申请步骤。 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。