HomeStretch (HB819 Shared Equity Program)

HomeStretch (HB819 Shared Equity Program)是面向Statewide，Montana购房者的增值共享贷款，由NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819)管理。 HomeStretch is a shared-equity homeownership program created in 2023 by Montana House Bill 819 (the Montana Community Reinvestment Plan Act). It blends State of Montana funds with private capital and contributes up to 30% of the cost of a home; in exchange the borrower agrees to a limited equity return at the time of resale. It is administered jointly by NeighborWorks Montana and NeighborWorks Great Falls and is available in 22 counties. Contributes up to 30% of home cost. No monthly payment on the shared-equity portion. Available to non-first-time buyers. Statewide reach across 22 counties. Reduces first-mortgage amount and monthly payment. 资金来自State of Montana (HB819 / Montana Community Reinvestment Plan Act) blended with private funds。

HomeStretch (HB819 Shared Equity Program)是增值共享贷款，按NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819)设定的条款偿还。 触发还款的情形：Shared appreciation/limited equity return due at resale or transfer of the home. 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。

HomeStretch (HB819 Shared Equity Program)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由HomeStretch-specific counseling session with a NeighborWorks-approved HomeStretch counselor.提供。 居住要求：Must purchase in a NeighborWorks-approved county (available in 22 Montana counties). Borrower must understand and agree to the equity/shared-appreciation share. Must use an approved first-mortgage lender and complete HomeStretch-specific counseling. County availability varies; verify on the HomeStretch map.

HomeStretch (HB819 Shared Equity Program)将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 Borrower must be between 60% and 140% area median income (AMI) for the state or county, whichever is less; AMI for Mineral County is capped at 80%. 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。

HomeStretch (HB819 Shared Equity Program)服务于在Statewide，Montana购房的购房者。 该项目针对特定区域：22 participating counties statewide split between NeighborWorks Montana and NeighborWorks Great Falls service areas.

HomeStretch (HB819 Shared Equity Program)的申请通过NeighborWorks Montana & NeighborWorks Great Falls (Montana Community Reinvestment Plan Act / HB819)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 submits NeighborWorks pre-qualification application; borrower given 60 days to shop (two 30-day extensions available).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。