Frederick County House Keys 4 Employees (HK4E)

Frederick County House Keys 4 Employees (HK4E)是面向Frederick县，Maryland购房者的延期第二贷款，由Frederick County Division of Housing管理。 House Keys 4 Employees (HK4E) is a Frederick County program for full-time regular Frederick County Government employees who use a Maryland Mortgage Program 1st Time Advantage or Flex 6000 loan. The county matches the MMP $8,500 Partner Match with an additional $8,500 0% deferred loan, for $17,000 total in down payment and/or closing cost assistance. No monthly payments are required; the loan is repayable on sale, refinance, transfer, or loss of primary-residence status. $8,500 county match ($17,000 total with MMP). 0% interest deferred loan. No monthly payments. Can add $10,000-$12,000 County HAP for households below 80% AMI. 资金来自Frederick County (matching the Maryland Mortgage Program Partner Match)。

Frederick County House Keys 4 Employees (HK4E)提供$8,500至$8,500的援助。 援助档次：Standard $8,500 county match (total $17,000 with MMP $8,500). Households below 80% AMI may additionally qualify for $10,000-$12,000 through the County HAP. 该项目可与Maryland Mortgage Program $8,500 Partner Match (required); also stackable with County HAP ($10,000-$12,000) for households below 80% AMI结合使用。 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Frederick County Division of Housing决定。

Frederick County House Keys 4 Employees (HK4E)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：Due upon sale, transfer, refinance, or when the home is no longer the borrower's primary residence。 该援助以Subordinate (lien recorded in Frederick County land records)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。

Frederick County House Keys 4 Employees (HK4E)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由HUD-approved Housing Counseling Agency; locally the City of Frederick提供。 居住要求：Must purchase a home in Frederick County; applicant must be a full-time regular Frederick County Government employee。 Employment restricted to full-time regular Frederick County Government employees; must use MMP 1st Time Advantage or Flex 6000; one-year warranty and home inspection; lead paint assessment for pre-1978 homes; Frederick County title company for settlement.

Frederick County House Keys 4 Employees (HK4E)将家庭收入限制在地区收入中位数的150%，该数值因县和家庭人数而异。 Total gross household income must be under 150% AMI (eff. May 2025): 1 or 2 persons = $196,680; 3 or more = $229,460. 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。

Frederick County House Keys 4 Employees (HK4E)可用于Single Family、Townhouse、Condo、Modular和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Frederick County House Keys 4 Employees (HK4E)仅限Full-time regular Frederick County Government (FCG) employees的员工。 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。

Frederick County House Keys 4 Employees (HK4E)服务于在Frederick县，Maryland购房的购房者。

Frederick County House Keys 4 Employees (HK4E)的申请通过Frederick County Division of Housing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 submitted by an MMP-network lender; employment verified by Frederick County Human Resources; allow 21 days for processing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。