Montgomery Homeownership Program

Montgomery Homeownership Program是面向Statewide，Maryland购房者的延期第二贷款。 Maryland DHCD MMP Montgomery Homeownership Program - up to $25,000 additional deferred 0% DPA for first-time homebuyers buying in Montgomery County. Layers on top of MMP first + standard MMP DPA second. Open to ALL qualifying Montgomery County FTHBs (not restricted to government employees). 640 FICO. County-Wide. Maryland DHCD's Montgomery Homeownership Program is a Montgomery County partnership program providing additional down-payment / closing-cost assistance to first-time homebuyers purchasing a home in Montgomery County, MD. Provides up to $25,000 in additional 0% deferred second-mortgage DPA, layered on top of an MMP first mortgage and standard MMP DPA second. The Montgomery Homeownership second is non-amortizing - no monthly payment - due on sale/refinance/transfer/payoff. Open to ALL qualifying Montgomery County first-time homebuyers (NOT restricted to government employees - that's MEDPAL). Income $196,680 (1-2 person) - $229,460 (3+ person) Montgomery County high-cost tier. 640 FICO. Homebuyer education required. 资金来自State和Bond。

Montgomery Homeownership Program提供最高$50,000的援助。 购房者自付部分：No mandatory MMP minimum borrower contribution; agency overlays may impose minimum. 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。

Montgomery Homeownership 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：0% deferred soft second. Full balance due on sale, refinance, transfer of title, payoff of first mortgage, or non-owner-occupancy. No monthly payment. No forgiveness schedule. 该援助以3rd Lien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。

Montgomery Homeownership 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：FTHB waived in federally targeted tracts and for qualifying veterans. 关于信用，该项目说明：640 minimum FICO across all eligible first-mortgage products. 须参加购房者教育课程，由MMP-approved homebuyer education provider network. Montgomery County HOC and partnered counseling agencies provide additional Montgomery-specific counseling.提供。 居住要求：Property must be located in Montgomery County, MD and be the borrower's primary residence. County-Wide eligibility. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien. Property must be located in Montgomery County, Maryland. FTHB required (waived in federally targeted tracts and for qualifying veterans). Owner-occupied primary residence. 640 FICO, 45% DTI. Income within Montgomery County high-cost tier ($196,680 1-2 / $229,460 3+). Purchase price within MMP Montgomery County acquisition-cost limit (up to $1,535,015). Homebuyer education required. MMP-approved lender + master servicer. Open to all qualifying Montgomery County first-time homebuyers (no specific employer restriction - that's MEDPAL).

Montgomery Homeownership Program将家庭收入限制在$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。

Montgomery Homeownership Program将房价上限设为$1.5M。 符合条件的房屋类型包括Single-family detached, 2-unit owner-occupied (per overlays), condo (approved), townhouse, PUD. 新建房屋符合条件。 预制房屋不符合条件。

Montgomery Homeownership Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 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。

Montgomery Homeownership Program服务于在Statewide，Maryland购房的购房者。 该项目针对特定区域：Montgomery County is a high-cost MD county with elevated income / purchase-price limits. Federally targeted census tracts within Montgomery County receive additional MRB FTHB-waiver benefit.

Montgomery Homeownership 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Reserved through MMP Lender Online portal at rate lock. Montgomery Homeownership designation flagged at reservation; Montgomery County property verified.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。