Gaithersburg Homebuyer Assistance Loan Program (GHALP)

Gaithersburg Homebuyer Assistance Loan Program (GHALP)是面向Gaithersburg，Maryland购房者的延期第二贷款。 The Gaithersburg Homebuyer Assistance Loan Program (GHALP) provides up to $25,000 in 0% interest deferred-payment second-mortgage assistance to first-time homebuyers purchasing primary residences within the City of Gaithersburg, MD. Administered by the City of Gaithersburg's Community and Public Relations Office and funded through City general-fund and HUD pass-through allocations. Up to $25,000 in down-payment and closing-cost assistance as a 0% interest deferred-payment second mortgage for first-time homebuyers purchasing within the City of Gaithersburg. No monthly payments. balance due upon sale, refinance with cash-out, transfer, or loss of primary-residence status. 资金来自HOME、CDBG、Federal和Local Government。

Gaithersburg Homebuyer Assistance Loan Program (GHALP)提供最高$40,000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。

Gaithersburg Homebuyer Assistance Loan Program (GHALP)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。

Gaithersburg Homebuyer Assistance Loan Program (GHALP)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：620 minimum FICO; max DTI 45%。 须参加购房者教育课程，由HUD-approved housing counseling agencies; homebuyer-education certificate required.提供。 居住要求：Property within the City of Gaithersburg, MD; 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。 Property must be located within the City of Gaithersburg and be the buyer's primary residence. First-time homebuyer required (no ownership of residential real estate in prior 3 years). Income approximately $106,470 (1-person) to $197,122 (8-person). Minimum FICO 620, max DTI 45%. Minimum borrower contribution $1,000 from own funds. HUD-approved homebuyer-education certificate required. Loan is 0% interest, deferred for the life of the loan; repaid upon sale, refinance with cash-out, transfer, or loss of primary-residence status.

Gaithersburg Homebuyer Assistance Loan Program (GHALP)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 at or below 120% AMI for the Washington-Arlington-Alexandria HMFA; approx 120% limits $137,676 (1-person) to $259,618 (8-person). Up to $40,000 (<=80% AMI) or up to $25,000 (81-120% AMI). 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。

Gaithersburg Homebuyer Assistance Loan Program (GHALP)的房价上限如下：Per City of Gaithersburg annual 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。

Gaithersburg Homebuyer Assistance Loan Program (GHALP)在其服务群体中提到了退伍军人、教育工作者、执法人员和消防员。 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。

Gaithersburg Homebuyer Assistance Loan Program (GHALP)服务于在Gaithersburg，Maryland购房的购房者。

Gaithersburg Homebuyer Assistance Loan Program (GHALP)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 subject to annual program funding.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。