Hagerstown Homeownership Initiative

Hagerstown Homeownership Initiative是面向Hagerstown，Maryland购房者的延期第二贷款。 The Hagerstown Homeownership Initiative is the City of Hagerstown's flagship homeownership-incentive program providing forgivable second-mortgage assistance to owner-occupant homebuyers in Hagerstown. Funds may be used for down payment, closing costs, and certain rehab expenses. Administered by the Department of Community and Economic Development. Forgivable second mortgage assistance for owner-occupant homebuyers in the City of Hagerstown. Funds support down-payment, closing-cost, and certain rehabilitation expenses. loan is forgiven over a 5-year owner-occupancy period. 资金来自HOME、CDBG、Federal和Local Government。

Hagerstown Homeownership Initiative提供最高$7,500的援助。 购房者自付部分：Per first-mortgage program。 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。

Hagerstown Homeownership Initiative在5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：Forgivable over 5 years of owner-occupancy和due in full upon sale, refinance with cash-out, transfer, or loss of primary-residence status during the affordability period. 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。

Hagerstown Homeownership Initiative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 in most cases; current residents may qualify per City guidelines. 关于信用，该项目说明：Underwriting follows the buyer's first-mortgage product。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving Hagerstown / Washington County (including Hagerstown Home Store).提供。 居住要求：Property within the City of Hagerstown; 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 Hagerstown and be the buyer's primary residence. Targeted to owner-occupant homebuyers (often first-time buyers, but program may include current Hagerstown residents). HUD-approved homebuyer-education certificate required. Loan is forgivable over a 5-year owner-occupancy period.

Hagerstown Homeownership Initiative的收入限制如下：Income limits per City of Hagerstown annual program guidelines (typically 80% AMI for the Hagerstown-Martinsburg MSA). 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。

Hagerstown Homeownership Initiative的房价上限如下：Per City of Hagerstown 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。

Hagerstown Homeownership Initiative服务于在Hagerstown，Maryland购房的购房者。

Hagerstown Homeownership Initiative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 HUD HOME / CDBG / City 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。