FHLB Des Moines Native American Homeownership Initiative (NAHI)

FHLB Des Moines Native American Homeownership Initiative (NAHI)是面向Montana购房者的补助金，由Federal Home Loan Bank of Des Moines (via participating member financial institutions)管理。 The Native American Homeownership Initiative (NAHI) is a down payment and closing cost assistance grant offered by the Federal Home Loan Bank of Des Moines to qualifying Native American, Native Alaskan, and Native Hawaiian homebuyers through participating member institutions. Grants of up to $25,000 per household for down payment, closing costs, and repairs, or new construction. 5-year deed restriction with prorated repayment if home sold early. Montana is fully within the FHLB Des Moines district. Up to $25,000 grant. Available for purchase, new construction, in-connection repairs. Forgiven after 5 years. Applicable statewide across all of Montana. 资金来自Federal Home Loan Bank of Des Moines net income (10% to affordable housing); NAHI-specific pool。

FHLB Des Moines Native American Homeownership Initiative (NAHI)提供最高$25,000的援助。 购房者自付部分：Must have signed Purchase and Sale Agreement to enroll。 该项目可与HUD Section 184; Blackfeet Housing Home Ownership Program; Apsaalooke Nation Housing Authority DPA; state programs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Federal Home Loan Bank of Des Moines (via participating member financial institutions)决定。

FHLB Des Moines Native American Homeownership Initiative (NAHI)属于补助金，因此无需偿还。 触发还款的情形：Sale or transfer within 5 years (prorated repayment); forgiven on sale at net loss, sale to LMI buyer, or foreclosure。 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。

FHLB Des Moines Native American Homeownership Initiative (NAHI)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：At least one household member on the mortgage must be a first-time homebuyer。 关于信用，该项目说明：Must qualify for mortgage financing with participating FHLB member lender。 须参加购房者教育课程，由HUD-approved homebuyer education course required if first-time homebuyer提供。 居住要求：Home purchased must be located within the FHLB Des Moines district (includes all of Montana)。 公民身份或移民身份：Must be Native American, Native Alaskan, or Native Hawaiian。 Must work through a participating FHLB Des Moines member lender — FHLB does not take applications directly. Signed Purchase and Sale Agreement required at enrollment. Homebuyer education required if first-time buyer. $150,000 per-member cap per cycle — may be depleted.

FHLB Des Moines Native American Homeownership Initiative (NAHI)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。 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。

FHLB Des Moines Native American Homeownership Initiative (NAHI)的房价上限如下：No published purchase price limit; property must be within FHLB Des Moines district (Montana included)。 符合条件的房屋类型包括Single Family、Condo、Manufactured和Other。 新建房屋符合条件。 预制房屋符合条件。

FHLB Des Moines Native American Homeownership Initiative (NAHI)在其服务群体中提到了美洲印第安人和阿拉斯加原住民购房者。 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。

FHLB Des Moines Native American Homeownership Initiative (NAHI)服务于在Montana任何地方购房的购房者。

FHLB Des Moines Native American Homeownership Initiative (NAHI)的申请通过Federal Home Loan Bank of Des Moines (via participating member financial institutions)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First-come, first-served; limit $150,000 per FHLB Des Moines member institution per cycle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。