Housing Assistance for Teachers (HAT)

Housing Assistance for Teachers (HAT)是面向Multiple县，Mississippi购房者的补助金。 Mississippi Critical Teacher Shortage Act grant: up to $6,000 forgivable assistance for MS-licensed K-12 public-school teachers committing to 3 years in a designated critical-shortage school district. Funded by MS Department of Education, administered by MHC. The Housing Assistance for Teachers (HAT) program was authorized by the Mississippi Critical Teacher Shortage Act of 1998 and is funded by the Mississippi Department of Education (administered by Mississippi Home Corporation). HAT provides up to $6,000 in grant assistance toward down payment, closing costs, prepaid items, and (if applicable) mortgage insurance, for licensed Mississippi public-school K-12 teachers who agree to teach for at least three years in a designated critical-shortage school district. The grant is structured as a forgivable loan: it is fully forgiven once the teacher completes three years of service. If the teacher leaves the district before the three years are up, the prorated balance becomes repayable. Borrower must contribute a minimum 1% of own funds plus one month's reserves. 资金来自State。

Housing Assistance for Teachers (HAT)属于补助金，因此无需偿还。 触发还款的情形：Forgiven upon completion of three (3) years of teaching service in the designated critical-shortage school district. Prorated repayment owed if teacher leaves the district before completing the 3-year service requirement, or if the property is no longer owner-occupied. 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。

Housing Assistance for Teachers (HAT)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：Credit score dependent on first-mortgage LTV and lender / servicer overlays. 须参加购房者教育课程，由MHC-approved homebuyer education provider (Framework, eHome America, or HUD-approved counseling agency) when paired with an MHC mortgage product.提供。 居住要求：Property must be located in the same Mississippi county where the teacher is employed AND that county / school district must be designated by the MS Department of Education as a critical teacher shortage area. Owner-occupied principal residence. 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. Borrower must be a licensed Mississippi K-12 public-school teacher. Borrower must agree to teach for at least three (3) years starting at the beginning of the school year in a school district designated by the MS Department of Education as a 'critical teacher shortage' district (60+ counties/districts including Adams, Amite, Attala, Benton, Bolivar, Calhoun, Carroll, Chickasaw, Choctaw, Claiborne, Clarke, Coahoma, Copiah, Covington, Desoto, Forrest, Greene, Grenada, Hancock, Harrison, Hinds, Holmes, and others). Property must be in the same county where the teacher is employed and in a critical-shortage district. Owner-occupied principal residence. 25 or 30-year fixed loan; FHA / VA / USDA-RD / Fannie Mae HFA / Freddie Mac HFA. Borrower must contribute 1% of sales price from own funds plus 1 month's reserves (reserves may be gifted; the 1% may not be gifted). No income limits when used stand-alone; income limits apply when paired with an MHC bond mortgage product.

Housing Assistance for Teachers (HAT)的收入限制如下：No income limits when used stand-alone. Income limits per the paired MHC mortgage product (Smart7, Easy8, Trusty10, DPA 14) when stacked. 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。

Housing Assistance for Teachers (HAT)的房价上限如下：No HAT-specific purchase price limit when used stand-alone; per paired MHC mortgage product when stacked. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

Housing Assistance for Teachers (HAT)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、遗属配偶和教育工作者。 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。

Housing Assistance for Teachers (HAT)服务于在Multiple县，Mississippi购房的购房者。 该项目针对特定区域：MS Department of Education designated 'Critical Teacher Shortage' school districts (60+ districts statewide).

Housing Assistance for Teachers (HAT)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 MHC's Lender Online portal at time of rate lock by approved participating lender, with HAT loan-agreement documentation.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。