NeighborWorks Great Falls Owners in Partnership (OIP)

NeighborWorks Great Falls Owners in Partnership (OIP)是面向Great Falls，Montana购房者的延期第二贷款，由NeighborWorks Great Falls管理。 A 0% interest, 30-year deferred second mortgage (up to ~$50,000) that NeighborWorks Great Falls offers exclusively to buyers purchasing NWGF-built, High School House, or major-rehabilitation homes, including some SHOP homes that require sweat equity. Income-eligible (<=80% AMI Cascade County) first-time buyers, single parents, or households with a disabled member qualify; repayment is deferred until sale, transfer, refinance, or loss of primary occupancy. 0% interest. No monthly payments. Pairs with HomeStart and gift funds. Designed for NWGF-developed homes. 资金来自Federal HOME funds; some homes include SHOP financing (sweat equity)。

NeighborWorks Great Falls Owners in Partnership (OIP)提供最高$50,000的援助。 购房者自付部分：Minimum $1,000 of own funds; gift funds and HomeStart funds acceptable. For FHA firsts, borrower must invest the 3.5% down payment with own funds. Earnest money of at least $500 required. 该项目可与MBOH first mortgage, HomeStart funds, gift funds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决定。

NeighborWorks Great Falls Owners in Partnership (OIP)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。

NeighborWorks Great Falls Owners in Partnership (OIP)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 (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：Not specified in guidelines; must qualify for 1st mortgage. 须参加购房者教育课程，由NWGF-approved Homebuyer Education class plus one-on-one counseling session with NWGF Certified Housing Counselor提供。 居住要求：Purchase of a NeighborWorks Great Falls new-build, High School House, or major-rehab home。 Buyers selling an existing home are ineligible.

NeighborWorks Great Falls Owners in Partnership (OIP)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 (NWGF 2026 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。

NeighborWorks Great Falls Owners in Partnership (OIP)的房价上限如下：Total household assets cannot exceed $100,000. 符合条件的房屋类型包括NWGF new-construction homes、High School House、Major-rehabilitation homes和Manufactured home on permanent foundation (larger than single-wide, built after July 1976)。 新建房屋符合条件。 预制房屋符合条件。

NeighborWorks Great Falls Owners in Partnership (OIP)服务于在Great Falls，Montana购房的购房者。

NeighborWorks Great Falls Owners in Partnership (OIP)的申请通过NeighborWorks Great Falls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NWGF processes; applies only to NWGF-built/rehabbed homes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。