MRB Home

MRB Home是面向Statewide，Louisiana购房者的补助金。 LHC's bond-funded MRB first-mortgage-only program (no DPA). Lower rate than MRB Assisted - chosen by buyers who do not need DPA or want lowest rate. FTHB required. Statewide. Federal recapture tax may apply. Louisiana Housing Corporation's MRB Home Program is a Mortgage Revenue Bond-funded first-mortgage-only homebuyer program. Provides a below-market 30-year fixed-rate first mortgage (FHA, USDA-RD, VA, or HFA conventional). MRB Home does NOT include DPA - it is the lower-rate companion to MRB Assisted. Borrowers who do not need DPA (or who prefer a lower interest rate over the 4% DPA grant) choose MRB Home. First-time homebuyer required (waived in targeted census tracts). Statewide Louisiana. 资金来自State和Bond。

MRB Home属于补助金，因此无需偿还。 触发还款的情形：Standard amortizing 30-year first mortgage和principal and interest payments due monthly. 该援助以1st 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。

MRB Home面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Federally designated targeted census tracts waive the first-time-homebuyer requirement. 关于信用，该项目说明：640 minimum FICO; lender overlays may apply. 须参加购房者教育课程，由LHC-approved homebuyer education required prior to closing (HUD-certified online or in-person).提供。 居住要求：Property must be located in Louisiana and be borrower's 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 overlays. First-time homebuyer required (waived in targeted census tracts). Owner-occupied primary residence in Louisiana. 640 minimum FICO. Max 45% DTI. Income at or below MRB Home limits ($32,100 1p / $89,050 3+p). Maximum purchase price $507,849. MRB federal recapture tax may apply on sale within 9 years. Homebuyer education required.

MRB Home将家庭收入限制在$89,050。 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。

MRB Home将房价上限设为$507,849。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, manufactured home on permanent foundation (per overlays). 新建房屋符合条件。 预制房屋符合条件。

MRB Home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。

MRB Home服务于在Statewide，Louisiana购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS) where MRB-funded loans waive first-time-homebuyer requirement.

MRB Home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 through LHC's online lender portal at time of rate lock by approved participating lender. Subject to bond 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。