Resilience Soft Second Program

Resilience Soft Second Program是面向Multiple县，Louisiana购房者的可免除贷款。 Hurricane Ida CDBG-DR soft second up to $60K. 0% deferred / forgivable over 10 years. 80% AMI. 640 FICO. Max PP $271,164. Available in 25 Ida-declared parishes only. Louisiana Housing Corporation's Resilience Soft Second Program is a CDBG-DR (Community Development Block Grant - Disaster Recovery) funded soft second mortgage program for parishes affected by Hurricane Ida. Provides up to $60,000 in soft second financing structured as a 0% interest, deferred / forgivable loan. Funds may be used for down payment, closing costs, principal reduction, and gap financing on home purchases in the 25 federally declared Hurricane Ida disaster parishes. Forgiven over 10 years of owner-occupancy. Maximum purchase price $271,164. Income at or below 80% AMI. 资金来自Federal和CDBG-DR。

Resilience Soft Second Program在10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：Forgiven over 10 years of owner-occupancy (1/10 per year). Unforgiven balance due on sale, refinance, transfer, or non-owner-occupancy before 10 years. 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。

Resilience 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; lender overlays may apply. 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 one of the 25 federally declared Hurricane Ida disaster parishes (Ascension, Assumption, East Baton Rouge, East Feliciana, Iberia, Iberville, Jefferson, Lafourche, Livingston, Orleans, Plaquemines, Pointe Coupee, St. Bernard, St. Charles, St. Helena, St. James, St. John the Baptist, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Washington, West Baton Rouge, West Feliciana). Must be borrower's primary residence. 公民身份或移民身份：Per HUD CDBG-DR federal eligibility - U.S. citizen or qualifying non-citizen. First-time homebuyer required. Owner-occupied primary residence in eligible Hurricane Ida disaster parish: Ascension, Assumption, East Baton Rouge, East Feliciana, Iberia, Iberville, Jefferson, Lafourche, Livingston, Orleans, Plaquemines, Pointe Coupee, St. Bernard, St. Charles, St. Helena, St. James, St. John the Baptist, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Washington, West Baton Rouge, or West Feliciana. 640 minimum FICO. Max 45% DTI. Income at or below 80% AMI ($46,000 1p / $86,750 8p). Maximum purchase price $271,164. 8-hour homebuyer education required. Property must meet HUD HQS / NSPIRE standards.

Resilience 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 CDBG-DR / HOME income limits at 80% AMI. 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。

Resilience Soft Second Program将房价上限设为$271,164。 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 HUD standards). 新建房屋符合条件。 预制房屋符合条件。

Resilience 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。

Resilience Soft Second Program服务于在Multiple县，Louisiana购房的购房者。 该项目针对特定区域：Restricted to 25 federally declared Hurricane Ida disaster parishes per LA Governor's disaster declaration / FEMA-DR-4611-LA: Ascension, Assumption, East Baton Rouge, East Feliciana, Iberia, Iberville, Jefferson, Lafourche, Livingston, Orleans, Plaquemines, Pointe Coupee, St. Bernard, St. Charles, St. Helena, St. James, St. John the Baptist, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Washington, West Baton Rouge, West Feliciana.

Resilience 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 CDBG-DR 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。