Premier Program

Premier Program是面向Statewide，Louisiana购房者的补助金。 LHC's NON-bond TBA program: first mortgage + 4% non-repayable DPA grant. NO FTHB requirement. NO recapture tax. 640 FICO. Statewide. Open to repeat buyers. Louisiana Housing Corporation's Premier Program is a NON-BOND TBA homebuyer program providing a 30-year fixed-rate FHA, USDA-RD, VA, HFA Preferred, or HFA Advantage first mortgage paired with 4% non-repayable down payment assistance grant. The DPA grant is calculated on the first-mortgage loan amount and may be used for down payment, closing costs, or prepaid items. NOT bond-funded - no IRS Section 143 federal recapture tax. Open to first-time AND repeat home buyers (no FTHB requirement). 640 minimum FICO. Statewide Louisiana. 资金来自State和TBA。

Premier Program属于补助金，因此无需偿还。 触发还款的情形：None for DPA grant - no repayment. First mortgage is standard amortizing 30-year fixed. 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。

Premier 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; 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. Owner-occupied primary residence in Louisiana. 640 minimum FICO. Max 50% DTI with AUS approval. Income at or below Premier limit (~$99,000 statewide single tier per seed). FHA/VA/USDA/HFA Preferred/HFA Advantage. Homebuyer education required. No first-time homebuyer requirement.

Premier Program将家庭收入限制在$99,000。 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。

Premier Program的房价上限如下：Per first-mortgage product loan limits (FHA county loan limits, conforming conventional limits, USDA, VA). No LHC-specific Premier purchase price cap. 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。

Premier 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。

Premier Program服务于在Statewide，Louisiana购房的购房者。

Premier 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 through LHC's online lender portal at time of rate lock by approved participating lender.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。