Settlement Expense Loan Program Plus (SELP+)

Settlement Expense Loan Program Plus (SELP+)是面向Charles县，Maryland购房者的延期第二贷款。 SELP+ is the enhanced tier of Charles County's Settlement Expense Loan Program, providing additional second-mortgage assistance (up to $20,000) on top of standard SELP for first-time homebuyers in Charles County. Administered by the Charles County Department of Community Services / Housing Authority. Used for down payment and closing costs. Enhanced tier of Charles County's SELP program providing up to $20,000 in settlement-expense assistance as a 0% interest deferred-payment second mortgage for first-time homebuyers in Charles County. Adds extra capacity above the standard SELP $10,000 cap, particularly for higher-AMI buyers and certain target buyer categories. 资金来自HOME、CDBG、Federal和Local Government。

Settlement Expense Loan Program Plus (SELP+)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。

Settlement Expense Loan Program Plus (SELP+)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：640 minimum FICO recommended。 须参加购房者教育课程，由HUD-approved housing counseling agencies serving Charles County; 8-hour homebuyer-education certificate required.提供。 居住要求：Property must be located within Charles County, MD, and be the 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。 Same general SELP eligibility plus additional underwriting for the enhanced tier. Property must be located in Charles County and be the buyer's primary residence. First-time homebuyer required. Income up to approximately $204,300 (8-person) tracking MD DHCD MMP Charles County limits. 8-hour HUD-approved homebuyer education required. SELP+ is layered on top of standard SELP for buyers requiring additional assistance.

Settlement Expense Loan Program Plus (SELP+)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 approximately $108,300 (1-person) to $204,300 (8-person), tracking Maryland DHCD MMP limits for Charles County. 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。

Settlement Expense Loan Program Plus (SELP+)的房价上限如下：Tracks Maryland DHCD MMP Charles County maximum purchase price。 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。

Settlement Expense Loan Program Plus (SELP+)服务于在Charles县，Maryland购房的购房者。

Settlement Expense Loan Program Plus (SELP+)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 funding allocation.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。