First Time Home-Buyers Program

First Time Home-Buyers Program是面向Multiple县，Massachusetts购房者的延期第二贷款。 Merrimack Valley Housing Partnership is a private nonprofit founded in 1990 that delivers first-time homebuyer education, one-on-one counseling, and DPA packaging across the greater Merrimack Valley (Andover, Billerica, Chelmsford, Dracut, Haverhill, Lawrence, Lowell, Methuen, Tewksbury, Tyngsborough, and surrounding towns). MVHP is the principal HUD-approved housing-counseling agency for the region and packages the City of Lowell HOME-funded DPA second-mortgage loan as well as connecting clients to LDFC, MassHousing, MAHA, and FHLBank Boston products. MVHP connects qualified first-time homebuyers in the Merrimack Valley with down-payment and closing-cost assistance, primarily through the City of Lowell HOME Program (0% interest deferred second-mortgage loan up to $20,000) and the Lowell Development & Financial Corporation 'soft second' product. MVHP itself provides comprehensive 12-hour homebuyer education (HUD-approved curriculum), individual housing counseling, mortgage-product matching, and packaging support to qualify buyers for federal HOME, MassHousing, ONE Mortgage, and bank CRA products. Buyers who complete MVHP counseling are eligible to apply for the City of Lowell HOME DPA loan and other municipal programs in Andover, Haverhill, Lawrence, Methuen, and surrounding Merrimack Valley communities. 资金来自HOME、CDBG、MassHousing、Federal、Local Government和Private。

First Time Home-Buyers 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 0% second-mortgage repayable in full upon sale, refinance with cash-out, transfer of title, or loss of primary-residence status (City of Lowell HOME DPA). 该援助以2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。

First Time Home-Buyers 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 (no ownership of residential real estate in prior 3 years). 关于信用，该项目说明：No fixed minimum from MVHP; underwriting follows the buyer's first-mortgage product (typical floor 620-640). 须参加购房者教育课程，由Merrimack Valley Housing Partnership (HUD-approved 12-hour homebuyer education).提供。 居住要求：Property must be located in MVHP service area (Lowell for the HOME DPA; partner communities for related products) and be the buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by HUD HOME / CDBG rules. First-time homebuyer (no homeownership in prior 3 years); complete MVHP/HUD-approved 12-hour homebuyer education; income at or below 80% HUD area-median income for the Lowell HMFA (approx. $68,500 1-person to $129,100 8-person FY26 limits); property must be in the Merrimack Valley service area (City of Lowell HOME DPA limited to City of Lowell; other partner communities include Lawrence, Haverhill, Methuen, Andover, Tewksbury, Dracut, Billerica, Chelmsford, Tyngsborough); meet HUD Housing Quality Standards; primary-residence requirement; minimum buyer contribution typically 1.5% of purchase price.

First Time Home-Buyers 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。 Household income at or below 80% AMI for the Lowell HMFA: ~$68,500 1-person, $78,300 2-person, $88,100 3-person, $97,850 4-person, up to ~$129,100 8-person (FY26 HUD limits). 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。

First Time Home-Buyers Program的房价上限如下：Limited by HUD HOME 95% area median purchase-price limits for Lowell HMFA (updated annually). 符合条件的房屋类型包括Single-family detached、Two-family、Three-family、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

First Time Home-Buyers Program服务于在Multiple县，Massachusetts购房的购房者。 该项目针对特定区域：Merrimack Valley region: Lowell, Lawrence, Haverhill, Methuen, Andover, Billerica, Chelmsford, Dracut, Tewksbury, Tyngsborough.

First Time Home-Buyers 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First-come, first-served; buyer enrolls in MVHP homebuyer-education class, completes counseling, and submits DPA application package through MVHP to the City of Lowell or partner municipality.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。