Home Ownership for Me

Home Ownership for Me是面向Detroit Lakes，Minnesota购房者的延期第二贷款。 MMCDC's lower-income FTHB DPA. Up to $15,000 0% deferred second. NW MN service area. Income $49,400-$128,455. 640 FICO. FTHB required. MMCDC's Home Ownership for Me (HOM) is a deferred 0% second-mortgage DPA targeted to lower-income first-time homebuyers within MMCDC's NW Minnesota service area. Up to $15,000 in down payment, closing-cost, and prepaid expense assistance, structured as a 0% interest deferred second with no monthly payments. Repayable upon sale, refinance with cash-out, transfer of title, or non-owner-occupancy. Income tier $49,400 (1-person) up to $128,455 (4+ person tier ceiling). FTHB required. 资金来自CDFI、State、HOME和CDBG。

Home Ownership for Me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：0% interest deferred second mortgage. Balance due on sale, refinance with cash-out, transfer of title, or non-owner-occupancy. 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。

Home Ownership for Me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：FTHB requirement may be waived in federally targeted areas. 关于信用，该项目说明：640 minimum FICO per first-mortgage product overlay. 须参加购房者教育课程，由MMCDC HUD-approved housing counseling - pre-purchase 8-hour homebuyer education and one-on-one counseling required.提供。 居住要求：Property must be in MMCDC service area (primarily NW Minnesota 10-county region). 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. First-time homebuyer required. Property in MMCDC service area (primarily 10-county NW Minnesota). Income $49,400 (1-person floor) up to $128,455 (4+ person ceiling). Must complete MMCDC homebuyer education. $1,000 minimum borrower contribution. Property must be primary residence.

Home Ownership for Me将家庭收入限制在$128,455。 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。

Home Ownership for Me的房价上限如下：Per MN Housing Start Up county purchase price limits. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, manufactured home (real-property-titled). 新建房屋符合条件。 预制房屋符合条件。

Home Ownership for Me服务于在Detroit Lakes，Minnesota购房的购房者。

Home Ownership for Me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Application via MMCDC Lending Department intake.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。