NeighborWorks Montana Statewide Low-Mod Amortizing Second

NeighborWorks Montana Statewide Low-Mod Amortizing Second是面向Montana购房者的第二抵押贷款，由NeighborWorks Montana管理。 Amortizing subordinate mortgage for down payment and closing costs; $2,500-$20,000; 30-year term; rate is 1% below first mortgage rate (floor 2%); income up to 150% AMI (115% for FHA); no FTHB requirement; statewide except Cascade County. No first-time homebuyer requirement. 150% AMI income limit. Statewide coverage. Low interest rate (1% below first mortgage). 资金来自NeighborWorks Montana。

NeighborWorks Montana Statewide Low-Mod Amortizing Second提供$2,500至$20,000的援助。 援助档次：FHA 1st mortgages: max income 115% AMI; all others: 150% AMI。 购房者自付部分：Borrowers must contribute minimum $1,000 from own funds; FHA borrower must contribute 3.5% down。 该项目可与Montana Board of Housing and other first mortgage products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 Montana决定。

NeighborWorks Montana Statewide Low-Mod Amortizing Second是第二抵押贷款，按NeighborWorks Montana设定的条款偿还。 触发还款的情形：Sale, no longer sole residence, death, or 1st mortgage refinance。 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 Montana Statewide Low-Mod Amortizing Second面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Middle score of 640 unless valid compensating factors。 须参加购房者教育课程，由NeighborWorks Montana approved homebuyer education class提供。 Non-occupying co-borrowers not permitted; total household assets cannot exceed $100,000; borrower cannot own residential rental property; ACH required; CLTV max 105%; not assumable.

NeighborWorks Montana Statewide Low-Mod Amortizing Second将家庭收入限制在地区收入中位数的150%，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。 该项目列出的最大家庭人数为8。 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 Montana Statewide Low-Mod Amortizing Second的房价上限如下：Limits only as defined by first mortgage loan。 符合条件的房屋类型包括Single Family、Manufactured、Condo、Townhouse、PUD、Duplex和ADU。 新建房屋不符合条件。 预制房屋符合条件。

NeighborWorks Montana Statewide Low-Mod Amortizing Second服务于在Montana任何地方购房的购房者。 该项目针对特定区域：Statewide Montana except Cascade County (served by NeighborWorks Great Falls)。

NeighborWorks Montana Statewide Low-Mod Amortizing Second的申请通过NeighborWorks Montana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NWMT Lender Portal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。