MSHDA MI Home Loan

MSHDA MI Home Loan是面向Statewide县，Michigan购房者的第一抵押贷款，由Michigan State Housing Development Authority (MSHDA)管理。 MSHDA's flagship first-mortgage product: a fixed-rate loan to purchase a new or existing home, available to first-time homebuyers statewide and to repeat homebuyers in targeted areas. Can be paired with MI 10K DPA down payment assistance and/or the MSHDA MCC. Borrowers work directly with a participating lender. Fixed interest rate, low down payment, can be combined with up to $10,000 in MI 10K DPA assistance and an MCC.

MSHDA MI Home Loan是第一抵押贷款，按Michigan State Housing Development Authority (MSHDA)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。

MSHDA MI Home Loan面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Minimum credit score of 640 is required。 须参加购房者教育课程，由MSHDA HUD-certified housing counseling agencies (required when paired with MI 10K DPA); located via MSHDA Housing Education Locator提供。 居住要求：Property must be in Michigan。 Must work with a MSHDA participating lender; lender earns ~3% (1% origination, 1.75% SRP, 0.25% timely-submission). Loan commitment valid 90 days (existing) / 180 days (new construction).

MSHDA MI Home Loan的收入限制如下：Household income limits apply and vary by family size and property location (county/township). In non-targeted areas, ranges roughly $75,300 (1-2 persons) up to higher limits in high-cost counties; targeted areas have higher limits. See MSHDA Income & Sales Price Limits. 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。

MSHDA MI Home Loan将房价上限设为$566,355。 符合条件的房屋类型包括Single Family、Condo、Manufactured和2-4 Unit。 新建房屋符合条件。 预制房屋符合条件。

MSHDA MI Home Loan服务于在Statewide县，Michigan购房的购房者。 该项目针对特定区域：Repeat (non-first-time) homebuyers are eligible only in MSHDA targeted areas. Targeted areas include numerous exempt counties (e.g., St. Clair, Lapeer, Sanilac, Tuscola, Lenawee, Washtenaw) and exempt cities/townships within non-exempt counties (e.g., City of Saginaw, City of Jackson, City of Flint, City of Detroit).

MSHDA MI Home Loan的申请通过Michigan State Housing Development Authority (MSHDA)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 participating lender via MSHDA loan reservation system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。