City of Westland Homebuyer Program

City of Westland Homebuyer Program是面向Westland，Michigan购房者的可免除贷款，由City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers)管理。 The City of Westland Home Buyer Program provides down payment and eligible closing cost assistance (maximum loan $14,500, based on need) to low- and moderate-income families purchasing a home in the City of Westland. Assistance is a 0% forgivable loan secured by a second mortgage; the lien is forgiven after a 5-year affordability period if all requirements are met. Applicants are referred to National Faith Homebuyers for counseling and processing. Up to $14,500 in down payment and closing cost assistance as a 0% forgivable second mortgage, forgiven after 5 years. 资金来自Federal HOME funds via City of Westland / HUD。

City of Westland Homebuyer Program提供最高$14,500的援助。 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City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers)决定。

City of Westland Homebuyer Program在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：If the home is sold, rented, or refinanced during the 5-year affordability period, the full assistance must be repaid to the City of Westland; lien forgiven after 5 years if all program requirements met. 该援助以second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。

City of Westland Homebuyer Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由National Faith Homebuyers (homeownership counseling program)提供。 Homebuyer must be at least 18; cannot own other real estate at purchase; liquid assets cannot exceed $25,000; must occupy as principal residence at least 5 years; must complete National Faith homeownership counseling; property must pass City Home Certification Inspection/HQS and obtain Certificate of Occupancy. City will subordinate only for a rate/term-reducing refinance, not for cash-out.

City of Westland Homebuyer Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Annual gross income cannot exceed 80% of Detroit area median income as determined by HUD income limits; income tested at the time the household initially occupies the property or when HOME funds are invested, whichever is later. 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。

City of Westland Homebuyer Program的房价上限如下：Property sales price must be below the HUD HOME limits for the Detroit PMSA (per hud.gov). 符合条件的房屋类型包括Single Family、Condo和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

City of Westland Homebuyer Program服务于在Westland，Michigan购房的购房者。

City of Westland Homebuyer Program的申请通过City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers)办理，该机构在其网站上公布现行条款和申请步骤。 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。