Healthy Neighborhoods Purchase & Rehab Loan

Healthy Neighborhoods Purchase & Rehab Loan是面向Baltimore，Maryland购房者的第一抵押贷款，由Healthy Neighborhoods, Inc.管理。 The Healthy Neighborhoods Purchase & Rehab Loan is a fixed-rate first mortgage (originated by M&T Bank through HNI's loan pool) for owner-occupants buying and renovating a home on a designated Healthy Neighborhoods target block in Baltimore City. The rate is roughly 1% below prevailing market (floor 3%), no PMI is required, and borrowers may finance up to 110% of the after-rehabilitation appraised value to a maximum loan of $375,000 after contributing 3% of the purchase price plus rehab. It is a 'two-close' construction-to-permanent loan with a maximum 30-year term, and income-eligible borrowers may pair it with the HNI Matching Grant of up to $10,000. Fixed rate ~1% below market (floor 3%). Finance up to 110% of after-rehab value. No private mortgage insurance. Low 3% down (purchase + rehab). Architectural/design assistance. Pairs with Matching Grant up to $10,000. Funds both purchase and renovation. 资金来自Healthy Neighborhoods, Inc. loan pool; originated/underwritten by M&T Bank; Maryland Housing Fund pool insurance。

Healthy Neighborhoods Purchase & Rehab Loan是第一抵押贷款，按Healthy Neighborhoods, Inc.设定的条款偿还。 该援助以First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。

Healthy Neighborhoods Purchase & Rehab Loan面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Minimum credit score of 620; borrower may not have any open derogatory credit items。 Property must be on an HNI target block and require a rehab project; contractor scope/costs approved by HNI before loan application; MHIC-licensed insured general contractor required; rental-property owners ineligible; $300 construction-draw management fee.

Healthy Neighborhoods Purchase & Rehab Loan可用于Single Family和2-4 Unit。 新建房屋不符合条件。

Healthy Neighborhoods Purchase & Rehab Loan服务于在Baltimore，Maryland购房的购房者。 该项目针对特定区域：Designated Healthy Neighborhoods target blocks across 60+ Baltimore City neighborhoods (Abell, Belair-Edison, Charles Village, Cherry Hill, Glen, Highlandtown, Mount Vernon, Patterson Park, Pigtown, Remington, Reservoir Hill, Waverly, others)。

Healthy Neighborhoods Purchase & Rehab Loan的申请通过Healthy Neighborhoods, Inc.办理，该机构在其网站上公布现行条款和申请步骤。 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。