Critical Workforce (CWF) Second Mortgage Financing Program

Critical Workforce (CWF) Second Mortgage Financing Program是面向Queen Anne's县，Maryland购房者的延期第二贷款。 The Critical Workforce (CWF) Second Mortgage Financing Program is Queen Anne's County's workforce-housing assistance program, providing up to $20,000 in 0% interest deferred-payment second-mortgage financing to critical-workforce employees - educators, law enforcement, firefighters/EMS, healthcare workers, and County government employees - purchasing primary residences in Queen Anne's County. Administered by the Queen Anne's County Department of Housing and Community Services. Up to $20,000 in second-mortgage financing as a 0% interest deferred-payment loan for critical-workforce employees purchasing a primary residence in Queen Anne's County. Critical workforce includes educators, law enforcement, firefighters/EMS, healthcare workers, and County government employees per Queen Anne's County guidelines. 资金来自Local Government和HOME。

Critical Workforce (CWF) Second Mortgage Financing Program提供最高$50,000的援助。 购房者自付部分：Minimum $1,000 borrower contribution from own funds。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Critical Workforce (CWF) Second Mortgage Financing 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 upon sale, refinance with cash-out, transfer, or loss of primary-residence status. 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。

Critical Workforce (CWF) Second Mortgage Financing 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：Not strictly first-time homebuyer; eligibility based on workforce employment. 关于信用，该项目说明：640 minimum FICO。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving Queen Anne's County; homebuyer-education certificate required.提供。 居住要求：Property within Queen Anne's County, MD; buyer's primary residence; buyer or co-buyer must be a qualifying critical-workforce employee. 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product。 Property in Queen Anne's County, MD; buyer's primary residence. Buyer (or co-buyer) must be employed in a Queen Anne's County 'critical workforce' role - educators (Queen Anne's County Public Schools), law enforcement, firefighters/EMS, healthcare workers, and County government employees. Maximum household income approximately $85,560 (1-person) to $161,310 (8-person). Minimum FICO 640. Minimum buyer contribution $1,000. HUD-approved homebuyer-education class required.

Critical Workforce (CWF) Second Mortgage Financing Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income approximately $85,560 (1-person) to $161,310 (8-person) per Queen Anne's County CWF guidelines. 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。

Critical Workforce (CWF) Second Mortgage Financing Program的房价上限如下：Per Queen Anne's County program guidelines。 符合条件的房屋类型包括Single-family detached、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Critical Workforce (CWF) Second Mortgage Financing Program在其服务群体中提到了教育工作者、执法人员、消防员和医护人员。 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。

Critical Workforce (CWF) Second Mortgage Financing Program服务于在Queen Anne's县，Maryland购房的购房者。

Critical Workforce (CWF) Second Mortgage Financing 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 via Queen Anne's County DHCS.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。