City of Great Falls HOME Deferred Second Mortgage

City of Great Falls HOME Deferred Second Mortgage是面向Great Falls，Montana购房者的延期第二贷款，由NeighborWorks Great Falls (City of Great Falls HOME funds)管理。 A 0% interest, 30-year deferred second mortgage funded with City of Great Falls HOME funds and administered by NeighborWorks Great Falls. It provides $2,500-$50,000 toward down payment and closing costs for income-eligible (<=80% AMI) first-time buyers purchasing within Great Falls city limits. No payments are due until sale, transfer, refinance, or the home ceases to be the borrower's primary residence. 0% interest. No monthly payments. Up to $50,000. All borrower fees paid by NWGF. Pairs with MBOH first mortgage. 资金来自Federal HOME Investment Partnerships funds via City of Great Falls。

City of Great Falls HOME Deferred Second Mortgage提供$2,500至$50,000的援助。 购房者自付部分：Borrower must contribute a minimum of $1,000 of own funds; more may be needed to meet 105% CLTV. 该项目可与MBOH first mortgage, HomeStart matched savings结合使用。 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NeighborWorks Great Falls (City of Great Falls HOME funds)决定。

City of Great Falls HOME Deferred Second Mortgage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：Due on maturity (30 yr) or earlier upon: home no longer borrower's sole residence; sale/lease/rental/transfer; death of borrower(s); refinance of 1st mortgage (unless subordinated); or repayment of 1st mortgage. 该援助以2nd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。

City of Great Falls HOME Deferred Second Mortgage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 defined as no ownership in last 3 years; OR single parent with dependent children; OR household with a disabled family member. 关于信用，该项目说明：Middle score of 640 unless valid compensating factors; below 640 requires 12-month VOR, credit explanation letter, and LO waiver letter. 须参加购房者教育课程，由NeighborWorks Great Falls-approved homebuyer education class提供。 居住要求：Property within Great Falls city limits。 Funds intended for demonstrated 'need' (file reviewed to confirm home not larger than needed).

City of Great Falls HOME Deferred Second Mortgage将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% of HUD median income adjusted for household size in Cascade County. 80% 4-person = $72,640 per NWGF 2026 AMI chart. 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。

City of Great Falls HOME Deferred Second Mortgage的房价上限如下：Per State HOME Homeownership sales price limits; ask lender for current limits. Total household assets cannot exceed $100,000. 符合条件的房屋类型包括Single-family detached和Manufactured home on permanent foundation (larger than single-wide, built after July 1976)。 预制房屋符合条件。

City of Great Falls HOME Deferred Second Mortgage服务于在Great Falls，Montana购房的购房者。

City of Great Falls HOME Deferred Second Mortgage的申请通过NeighborWorks Great Falls (City of Great Falls HOME funds)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Lender packages submitted to NWGF for processing (Reservation Checklist)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。