Bond Advantage DPA

Bond Advantage DPA是面向Statewide，Montana购房者的延期第二贷款。 MBOH bond-funded 15-year amortizing second mortgage of up to 5% of sales price (max $15,000) at the same fixed rate as the MBOH Regular Bond first mortgage. 620 FICO, 45% DTI, $1,000 borrower contribution. Statewide. Bond Advantage DPA is the Montana Board of Housing's bond-funded amortizing second mortgage paired with an MBOH Regular Bond Program first mortgage. Eligible homebuyers receive a 15-year amortizing second mortgage of up to 5% of the sales price, with a maximum of $15,000 (and a minimum of $1,500). The second mortgage carries the same fixed interest rate as the first mortgage (rate depends on borrower credit score. effective June 13, 2025 the Regular Bond rate was 5.625% / DPA rate 5.875% per MBOH rate sheet). Borrowers must provide a minimum $1,000 cash investment in the purchase (which can be gifted). Funds may be used for down payment and closing costs. 资金来自State和Bond。

Bond Advantage DPA按项目规定，提供相当于房价5%的援助。 该项目要求购房者自付$1,000 minimum borrower investment (may be gifted). Bond Advantage DPA + first-mortgage product (3.5% FHA, 0% VA/USDA, 3% conventional) typically covers all required cash to close. 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Bond Advantage DPA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：15-year amortizing monthly payments. Balance due on sale, refinance, 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。

Bond Advantage DPA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：Federally designated targeted census tracts and honorably discharged veterans waive the first-time-homebuyer requirement. 关于信用，该项目说明：620 minimum representative mid-FICO across all MBOH bond programs. 须参加购房者教育课程，由MBOH-approved homebuyer education provider (NeighborWorks Montana, HRDC, NWGF, Framework, eHome America, or HUD-approved counseling agency).提供。 居住要求：Property must be located in Montana and serve as borrower's principal residence. 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. Must qualify for and be paired with an MBOH Regular Bond Program first mortgage. First-time homebuyer required (waived in federally targeted census tracts and for honorably discharged veterans). Owner-occupied principal residence. Income within MBOH Regular Bond limits ($97,335 1-2p non-targeted up to $156,377 3+p targeted by county). Acquisition price within MBOH limits ($544,232 non-targeted / $783,192 targeted per 2025-2026 schedule). 620 mid-FICO minimum. 45% maximum DTI. $1,000 minimum borrower contribution (giftable). MBOH-approved homebuyer education required.

Bond Advantage DPA将家庭收入限制在$156,377。 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。

Bond Advantage DPA将房价上限设为$783,192。 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。

Bond Advantage DPA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。

Bond Advantage DPA服务于在Statewide，Montana购房的购房者。 该项目针对特定区域：Federally designated IRS targeted census tracts (per Section 143) and Qualified Census Tracts where MBOH waives the FTHB requirement and applies higher income / purchase price limits.

Bond Advantage DPA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 by approved participating lender via MBOH Lender Online portal at time of rate lock.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。