Hoosier Homes

Hoosier Homes是面向Statewide，Indiana购房者的可免除贷款。 Hoosier Homes — Statewide Indiana DPA administered by Club 720 in partnership with the Fort Wayne Housing Authority. Up to 5% forgivable 2nd mortgage @ 7-year term, 0% interest. 640 FICO, no FTHB requirement, max ~$300,000 purchase, up to 140% county AMI. Hoosier Homes Plus version offers enhanced amounts in select participating counties. Hoosier Homes (sponsored by the Fort Wayne Housing Authority and administered by Club 720) provides up to 5% of the purchase price as a forgivable 0% interest second mortgage with NO monthly payments. Forgiven over a 7-year term. Open to first-time AND repeat homebuyers in approved Indiana counties. Affordable IHCDA-style first-mortgage options paired through Club 720 lender network. Hoosier Homes Plus enhances the benefit to the full 5% in select participating counties. 资金来自Federal、HFA、FortWayneHA和Club720。

Hoosier Homes按项目规定，提供相当于房价5%的援助。 购房者自付部分：Per first-mortgage product overlays。 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。

Hoosier Homes在7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：7-year forgivable和prorated recapture on sale/refi/non-occupancy within 7-year term。 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。

Hoosier Homes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Club 720-approved homebuyer education delivered through the Club 720 platform / mobile app.提供。 居住要求：Property must be located in an approved Indiana county and used as primary residence。 公民身份或移民身份：Per first-mortgage product overlays。 640 minimum FICO. Property must be in an approved Indiana county and used as primary residence. Household income up to 140% of county AMI (range ~$60,320-$144,060). Maximum purchase price ~$300,000. Open to first-time and repeat homebuyers. 7-year owner-occupancy required for full forgiveness. Apply via Club 720 mobile app.

Hoosier Homes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。 Household income up to 140% of approved Indiana county median (range ~$60,320-$144,060 across counties and household sizes). 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。

Hoosier Homes将房价上限设为$300,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit。 新建房屋符合条件。 预制房屋不符合条件。

Hoosier Homes服务于在Statewide，Indiana购房的购房者。 该项目针对特定区域：Hoosier Homes Plus participating counties (e.g., select counties in Fort Wayne / Northeast Indiana, Thrive West Central seven-county region, Gary, Huntington) receive enhanced benefit.

Hoosier Homes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Lender reserves through Club 720 lender portal / mobile app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。