Home Deferred Mortgage

Home Deferred Mortgage是面向Great Falls，Montana购房者的延期第二贷款。 NWGF 0% deferred second mortgage (typically $2,500-$25,000, up to $50,000) for FTHBs at <=80% AMI in Cascade County. HUD HOME-funded. NWGF's HOME Deferred Mortgage provides 0% interest deferred loans (typically $2,500-$25,000, up to $50,000 in some cases) to provide down payment and closing cost assistance or to fill the gap between the total financing needed for a home and the amount the first-mortgage lender will lend. NO interest, NO monthly payments. Full balance is due when the borrower refinances, pays off the first mortgage, or sells the home. Available to households with income at or below 80% Area Median Income (AMI) for Cascade County, based on family size. Funded primarily through HUD HOME and NWGF / NeighborWorks America capital. Pairs with MBOH or NWGF/NWMT first mortgage. 资金来自Federal和HOME。

Home Deferred 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：Full balance due when borrower refinances, pays off first mortgage, sells, or vacates as primary residence. No monthly payments. 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。

Home Deferred 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：No published exceptions; FTHB defined per HUD HOME (no ownership in past 3 years). 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) required (HUD-approved).提供。 居住要求：Property must be located in Cascade County, Montana, and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME requirements. Property must be located in City of Great Falls or Cascade County, Montana. First-time homebuyer required (no ownership of principal residence in past 3 years). Owner-occupied primary residence. Annual household income at or below 80% AMI for Cascade County by family size (per seed: $47,050 1p up to $88,750 8p). 640 mid-FICO typical. 45% max DTI. NWGF Homebuyer Education required.

Home Deferred 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。 At or below 80% AMI Cascade County per HUD MFI by family size; per seed: $47,050 (1p) up to $88,750 (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。

Home Deferred Mortgage的房价上限如下：Per first-mortgage product. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD per NWGF underwriting. 新建房屋符合条件。 预制房屋符合条件。

Home Deferred Mortgage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。

Home Deferred Mortgage服务于在Great Falls，Montana购房的购房者。

Home Deferred Mortgage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.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。