Mobile Home Self-Insured Option (MHSI)

Mobile Home Self-Insured Option (MHSI)是面向Maine购房者的第一抵押贷款，由Maine State Housing Authority (MaineHousing)管理。 The Mobile Home Self-Insured Option lets MaineHousing self-insure eligible single-wide and double-wide mobile home loans with loan-to-value above 80% and up to 95%, in lieu of private mortgage insurance, in exchange for a 1.00% interest rate add-on. Eligible homes must be less than 20 years old, permanently attached at closing, and on owned land, approved parks, or privately leased lots. A 5% down payment is required (3% from the borrower's own funds), the loan term is set by the home's age (20/25/30 years), and statewide purchase-price limits are $250,000 (owned land) / $200,000 (leased land). Finances single- and double-wide mobile homes on owned or leased land. Self-insurance avoids private mortgage insurance. LTV up to 95%. Can add $5,000 Advantage DPA. Purchase Plus Improvement up to $35,000 for repairs. Seller may contribute up to 3% toward closing costs. Recapture reimbursed by MaineHousing. 资金来自Mortgage revenue bonds (MaineHousing self-insured)。

Mobile Home Self-Insured Option (MHSI)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。

Mobile Home Self-Insured Option (MHSI)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 buyers or those who have not owned a home in the past 3 years. Exceptions: persons who owned an unattached mobile home on leased land; honorably discharged veterans, retired military, and active-duty military who owned a home within the past 3 years but sold it prior to the MaineHousing closing. Case-by-case exceptions with strong compensating factors via Underwriting Risk Assessment form HMP-54 (MaineHousing written approval 3 days prior to closing). 关于信用，该项目说明：Minimum credit score of 640. 居住要求：Maine; owner-occupied within 60 days of closing. 1.00% rate add-on in lieu of MI. 5% down with 3% from own funds. Home must be <20 years old and permanently attached per code at closing; owner-occupied within 60 days; commercial use under 15%. Park units require a lease term matching the mortgage.

Mobile Home Self-Insured Option (MHSI)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。

Mobile Home Self-Insured Option (MHSI)将房价上限设为$250,000。 符合条件的房屋类型包括manufactured_mobile_home。 新建房屋符合条件。 预制房屋符合条件。

Mobile Home Self-Insured Option (MHSI)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。

Mobile Home Self-Insured Option (MHSI)服务于在Maine任何地方购房的购房者。 该项目针对特定区域：Income limits may be higher in Federal Targeted Areas.

Mobile Home Self-Insured Option (MHSI)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 with MaineHousing after executed P&S; 210-day lock for newly sited mobile homes.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。