Comfort of Home Program

Comfort of Home Program是面向Jefferson县，Louisiana购房者的可免除贷款。 JPFA's flagship parish-wide DPA program for Jefferson Parish homebuyers. Up to 4% DPA as a 0% interest deferred second mortgage forgiven at 5 years, paired with a 30-year fixed FHA/VA/USDA/Conventional first mortgage. Open to first-time and repeat buyers. Servicer: US Bank. Administrator: eHousingPlus. JPFA's Comfort of Home program provides a 30-year fixed-rate first mortgage paired with up to 4% down payment and closing cost assistance via a 0% interest, deferred second mortgage forgiven after 5 years. First-mortgage products: FHA, VA, USDA, Freddie Mac HFA Advantage, Fannie Mae HFA Preferred, plus Limited 203(k) FHA renovation. Open to first-time and repeat homebuyers. appropriate for borrowers with moderate-to-good credit, moderate DTI, and moderate-to-high household income. Program covers both home purchases and refinances. 资金来自Bond和Local。

Comfort of Home Program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：Deferred 0% second mortgage forgiven after 5 years of continuous owner-occupancy. If property is sold, refinanced, or transferred before 5-year anniversary, balance becomes due in full. 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。

Comfort of Home Program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 for FHA/VA/USDA government loans; 660 for Freddie HFA Advantage / Fannie HFA Preferred; 680 for some HFA Preferred tiers (per current rate sheet). 居住要求：Property must be located in Jefferson Parish, Louisiana, and occupied by borrower as primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product. Property must be located in Jefferson Parish, Louisiana. Borrower must occupy as primary residence. Up to 4% DPA second mortgage at 0% interest deferred and forgiven after 5 years of continuous owner-occupancy. Borrower must qualify for the JPFA first-mortgage product through a Qualified Lender. Income limits per product schedule (seed range $69,440-$121,520). Minimum FICO 640 (FHA/VA/USDA), 660 (HFA Advantage / HFA Preferred), 680 (some HFA Preferred tiers). Standard agency DTI guidelines apply. Open to first-time AND repeat homebuyers. Refinance eligible. Pairs with JPFA Heroes to Homeowners $2,500 grant for qualifying professionals (note: per 1/1/2026 JPFA rule change, Heroes to Homeowners now combines with bond programs only). Servicer: US Bank. Program Administrator: eHousingPlus (eHousing).

Comfort of Home Program将家庭收入限制在$121,520。 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。

Comfort of Home Program的房价上限如下：Per JPFA product schedule and IRS bond rules; verify with Qualified Lender. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD per first-mortgage product overlays. 新建房屋符合条件。 预制房屋不符合条件。

Comfort of Home Program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。

Comfort of Home Program服务于在Jefferson县，Louisiana购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts in Jefferson Parish where MRB-funded loans waive FTHB requirement and offer extended income/purchase-price limits.

Comfort of Home Program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Reserved by JPFA-approved Qualified Lender via eHousingPlus administrator system at rate lock. Subject to JPFA fund 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。