Pathways Soft Second Program

Pathways Soft Second Program是面向Statewide，Louisiana购房者的延期第二贷款。 HUD HOME-funded soft second up to $55K ($65K in high-cost areas). 0% deferred 30 years. 80% AMI ceiling. 640 FICO. Pairs with LHC or other approved first mortgage. Statewide. Louisiana Housing Corporation's Pathways Soft Second Program (also called Pathways to Homeownership) provides a HUD HOME-funded soft second mortgage of up to $55,000 ($65,000 in some HOME-eligible high-cost areas) to fill the affordability gap between first mortgage and total acquisition cost. The soft second is 0% interest, deferred for 30 years (or until sale, refinance, or transfer of property). Pairs with a first mortgage from an LHC-approved lender. 640 minimum FICO (660 for some product overlays). Income at or below 80% AMI per HUD HOME guidelines. 资金来自Federal、HOME和State。

Pathways Soft Second Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Deferred for 30-year HOME affordability period. Balance due in full on sale, refinance, transfer of property, or non-owner-occupancy. No monthly payments during deferred 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。

Pathways Soft Second Program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：First-time homebuyer required. 关于信用，该项目说明：640 minimum FICO (660 for some product overlays / specific lenders). 须参加购房者教育课程，由LHC-approved 8-hour HUD-certified homebuyer education required. Pre-purchase counseling at HUD-approved housing counseling agency.提供。 居住要求：Property must be located in Louisiana and be borrower's primary residence for the 30-year HOME affordability period. 公民身份或移民身份：Per HUD HOME federal eligibility - U.S. citizen or qualifying non-citizen. First-time homebuyer required. Owner-occupied primary residence in Louisiana. 640 minimum FICO (660 with some products). Max 45% DTI. Household income at or below 80% AMI per HUD HOME limits ($46,000 1-person to $86,750 8-person, parish-specific). Borrower minimum contribution of $1,000 of own funds typically required. 8-hour homebuyer education required. Property must meet HUD HQS / NSPIRE standards. Per HUD HOME 24 CFR 92.254 maximum acquisition cost limits apply.

Pathways Soft Second Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 HUD HOME income limits at 80% AMI (Low Income). Range: $46,000 (1-person) to $86,750 (8-person), varies by parish. Verify parish-specific limit at lhc.la.gov. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Pathways Soft Second Program的房价上限如下：Per HUD HOME 24 CFR 92.254 maximum acquisition cost limits, varies by parish and unit count. Verify at lhc.la.gov. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. New construction and existing properties. Manufactured housing on permanent foundation (per HOME standards). 新建房屋符合条件。 预制房屋符合条件。

Pathways Soft Second 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。

Pathways Soft Second Program服务于在Statewide，Louisiana购房的购房者。

Pathways Soft Second 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Application through LHC; reserved subject to annual HOME allocation availability. First-come, first-served.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。