SaluteME & Salute Home Again

SaluteME & Salute Home Again是面向Statewide，Maine购房者的延期第二贷款。 MaineHousing's military / veteran homebuyer benefit: 0.50% rate reduction on First Home Loan first mortgage + standard $5,000 Advantage DPA second. SaluteME for active military and FTHB veterans. Salute Home Again waives FTHB for repeat-buyer veterans. Surviving spouses eligible. 640 FICO. Statewide. MaineHousing's SaluteME and Salute Home Again is a dual-name benefit program for active military, veterans, National Guard, Reservists, and qualifying surviving spouses. SaluteME provides a 0.50% rate REDUCTION (50 basis points off the standard First Home Loan first-mortgage rate) for active-duty military, National Guard, Reservists, and qualifying veterans. Salute Home Again provides the same 0.50% rate discount AND waives the first-time-homebuyer requirement for veterans who have owned a home within the past 3 years (i.e., repeat-homebuyer veterans qualify). The product pairs with the standard $5,000 Advantage DPA second mortgage (0% deferred, due-on-sale / refinance / transfer / non-owner-occupancy - no monthly payment, no forgiveness schedule). Eligible service: active-duty U.S. Armed Forces, National Guard, Reservists, honorably discharged veterans, and surviving spouses of qualifying veterans (per VA definition). Income and acquisition-cost limits follow MaineHousing's standard First Home Loan limits. 640 minimum FICO. Homebuyer education required. 资金来自State和Bond。

SaluteME & Salute Home Again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：Advantage $5,000 DPA second is 0% deferred, NO monthly payment. Full $5,000 due on sale, refinance, transfer of title, or non-owner-occupancy. No forgiveness schedule (deferred soft second). 该援助以2nd 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。

SaluteME & Salute Home Again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：640 minimum FICO across all eligible first-mortgage products. 须参加购房者教育课程，由MaineHousing-approved hoMEworks homebuyer education class (in-person or online) required prior to closing.提供。 居住要求：Property must be located in Maine and be the borrower's primary residence. Statewide eligibility. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. MILITARY / VETERAN ELIGIBILITY: One borrower must be (a) active-duty U.S. Armed Forces, (b) National Guard or Reservist (with at least 90 days qualifying service or active-duty orders), (c) honorably discharged veteran, or (d) surviving spouse of a qualifying veteran (per VA definition). Documentation required: DD-214 / current military ID / orders / VA documentation per applicable status. SaluteME (active military + first-time-buyer veterans): standard FTHB requirement applies - waived for veterans under Salute Home Again branch. Salute Home Again (repeat-buyer veterans): FTHB requirement waived; veteran may have owned a home within the past 3 years and still qualify. Owner-occupied primary residence. 640 minimum FICO. Maximum 45% DTI. Borrower must contribute $1,000 of own funds. Income at or below MaineHousing First Home Loan limits ($98,900 1-2 person / $113,735 3+ person non-targeted; $111,100 1-2 / $149,270 3+ targeted). Maximum purchase price $525,000 non-targeted / $775,000 targeted/higher-cost county. hoMEworks homebuyer education required. Pairs with First Home Loan + Advantage $5,000 DPA second.

SaluteME & Salute Home Again将家庭收入限制在$149,270。 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。

SaluteME & Salute Home Again将房价上限设为$525,000。 符合条件的房屋类型包括Single-family detached, 2-4 unit owner-occupied (per first-mortgage overlays), condominium (project-approved), townhouse, PUD, modular, and manufactured home on permanent foundation (titled as real property和per first-mortgage overlays). 新建房屋符合条件。 预制房屋符合条件。

SaluteME & Salute Home Again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。

SaluteME & Salute Home Again服务于在Statewide，Maine购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS Section 143) where MRB first-time-homebuyer requirement is waived and higher income / acquisition-cost limits apply. Higher-cost counties (Cumberland, York, Sagadahoc) have higher acquisition-cost limits up to $775,000. Salute Home Again itself constitutes a federal-veteran FTHB waiver.

SaluteME & Salute Home Again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 MaineHousing's online lender portal (Lender Online) at time of rate lock by approved participating lender. Borrower must declare SaluteME eligibility and provide service documentation 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。