Smart7

Smart7是面向Statewide，Mississippi购房者的延期第二贷款。 MHC non-bond TBA: 30-year fixed first + $7,000 deferred soft-second @ 0% (due-on-sale/refi/non-owner-occ/payoff). No FTHB requirement. No federal recapture tax. Statewide. Smart7 is Mississippi Home Corporation's non-bond TBA homebuyer program providing a 30-year fixed-rate first mortgage (FHA, VA, USDA-RD, Fannie Mae HFA Preferred, or Freddie Mac HFA Advantage) plus $7,000 in down payment / closing-cost assistance. The DPA is structured as a 0% interest second mortgage with NO monthly payments, due-on-sale, refinance, non-owner-occupancy, or first-mortgage payoff (deferred soft second). Smart7 has NO first-time-homebuyer requirement (open to repeat buyers). No liquid asset limit. As a non-bond TBA program, there is NO IRS Section 143 federal recapture tax. Smart7 replaced/supplemented MHC's Smart6 product in late 2025. 资金来自State和TBA。

Smart7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：Full $7,000 principal due upon sale, refinance, transfer, non-owner-occupancy, or payoff of the first mortgage. No monthly payments. Not forgivable. 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。

Smart7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 per participating lender / servicer overlays. MHC does not impose a separate program FICO. 须参加购房者教育课程，由MHC-approved homebuyer education provider (Framework, eHome America, or HUD-approved counseling agency).提供。 居住要求：Property must be located in Mississippi (statewide) and serve as the borrower's principal residence. 公民身份或移民身份：Must be a legal resident of the United States per Smart7 page; per first-mortgage product overlays. No first-time-homebuyer requirement. Property must be in Mississippi, owner-occupied principal residence. Household annual income cannot exceed $132,770. Purchase price cannot exceed $398,310. Must be a legal U.S. resident. Credit qualify with participating lender (servicer-set FICO). Homebuyer education required.

Smart7将家庭收入限制在$132,770。 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。

Smart7将房价上限设为$398,310。 符合条件的房屋类型包括New or existing single-family home, townhouse, condominium, PUD和manufactured homes per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

Smart7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。

Smart7服务于在Statewide，Mississippi购房的购房者。

Smart7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.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。