20 Plus Community

20 Plus Community是面向Great Falls，Montana购房者的延期第二贷款。 NWGF amortizing or deferred second mortgage targeted at 20 designated Great Falls neighborhoods for neighborhood revitalization. Open to FTHBs and repeat buyers up to 125% AMI. The 20 Plus Community program from NeighborWorks Great Falls (NWGF) provides amortizing or deferred second mortgages targeted at homebuyers purchasing in 20 designated Great Falls target neighborhoods identified by NWGF for neighborhood revitalization (typically older inner-city neighborhoods including Lower North Side, Lower South Side, West Bank, etc.). Loan amount sized to need (typically $2,500-$30,000), with structure (amortizing vs deferred) varying by income tier. Combined with NWGF Homebuyer Education + Homeownership Success Workshop. Promotes neighborhood stabilization and owner-occupancy in targeted Great Falls neighborhoods. Pairs with first mortgages from MBOH or NWGF/NWMT lender partners. 资金来自Local和NWGF。

20 Plus Community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：Amortizing tier: monthly payments per loan term. Deferred tier: balance due on sale, refinance, payoff, 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。

20 Plus Community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 mid-FICO typical; per NWGF and first-mortgage lender underwriting. 须参加购房者教育课程，由NWGF Homebuyer Education ($75 per household) and Homeownership Success Workshop required. Available in-person at NWGF Great Falls office or online via eHomeAmerica.提供。 居住要求：Property must be located within one of the 20 designated NWGF target neighborhoods in Great Falls, Cascade County, Montana, and serve as borrower's primary residence. 公民身份或移民身份：Per first-mortgage product overlays. Property MUST be located within one of the 20 designated NWGF target neighborhoods in Great Falls. Owner-occupied primary residence. Income at or below 125% AMI for Cascade County (per seed: $47,050 1p up to $138,672 8p). Min 640 FICO typical (per first-mortgage lender / NWGF underwriting). 45% max DTI. NWGF Homebuyer Education + Homeownership Success Workshop required.

20 Plus Community将家庭收入限制在地区收入中位数的150%，该数值因县和家庭人数而异。 Up to 125% AMI Cascade County per seed: $47,050 (1p) up to $138,672 (8p). 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。

20 Plus Community的房价上限如下：Per first-mortgage product (no NWGF program-specific cap published). 符合条件的房屋类型包括Single-family detached, condominium, townhouse, duplex per NWGF underwriting和properties within 20 designated Great Falls target neighborhoods only. 新建房屋符合条件。 预制房屋不符合条件。

20 Plus Community在其服务群体中提到了现役军人、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。

20 Plus Community服务于在Great Falls，Montana购房的购房者。 该项目针对特定区域：20 designated NWGF target neighborhoods within Great Falls (typically older inner-city neighborhoods identified by NWGF for revitalization). Map / list available from NWGF.

20 Plus Community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Direct application to NWGF; subject to funding availability and homebuyer education completion.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。