First Home Loan Program

First Home Loan Program是面向Maine购房者的第一抵押贷款，由Maine State Housing Authority (MaineHousing)管理。 MaineHousing's First Home Loan Program offers 30-year fixed-rate first mortgages at below-market interest rates to first-time homebuyers (and certain exempt groups), with little or no down payment when paired with FHA, VA, RD, MHSI, or private mortgage insurance. The loan can be combined with the Advantage option for $5,000 in down payment and closing-cost assistance, Purchase Plus Improvement for repairs, and Maine HOPE unemployment payment protection. Loans are funded by mortgage revenue bonds and purchased and serviced by MaineHousing after closing. Below-market fixed interest rate. Zero-point and two-point options. Little or no down payment with mortgage insurance. Stackable with $5,000 Advantage DPA. Purchase Plus Improvement up to $35,000 for repairs. Maine HOPE unemployment payment protection (4 payments as no-interest junior lien). Federal recapture tax reimbursed by MaineHousing. Loan stays with MaineHousing (not sold). 资金来自Mortgage revenue bonds (MaineHousing-issued)。

First Home Loan Program是第一抵押贷款，按Maine State Housing Authority (MaineHousing)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。

First Home Loan 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：Considered first-time if no ownership interest in principal residence in past 3 years (even prior homeowners qualify). Also eligible: current/former owner of an unattached mobile home on leased land; veterans, retired or active-duty military (via Salute ME) if any currently owned home is sold by closing. 关于信用，该项目说明：Minimum credit score of 640; acceptable credit history required. 居住要求：Property must be in Maine; owner-occupied as primary residence. Apply only through approved First Home Lenders; MaineHousing does not review the loan before closing. Lender must use the strictest of MaineHousing vs. mortgage-insurer guidelines. Required docs include Applicant Certification, Closing Affidavit, 3 years of federal tax returns per borrower/title holder, and a lender-completed income eligibility worksheet.

First Home Loan Program将家庭收入限制在$120,750。 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。

First Home Loan Program将房价上限设为$525,000。 符合条件的房屋类型包括single_family、condominium、2-4_unit_owner_occupied和manufactured_mobile_home。 新建房屋符合条件。 预制房屋符合条件。

First Home Loan Program在其服务群体中提到了退伍军人和现役军人。 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。

First Home Loan Program服务于在Maine任何地方购房的购房者。 该项目针对特定区域：Federal Targeted Areas exist where income limits may be higher; specific area list not published on the limits page.

First Home Loan Program的申请通过Maine State Housing Authority (MaineHousing)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Lender reserves/locks the loan with MaineHousing after an executed Purchase & Sale agreement; rate is the rate in effect at reservation.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。