First Time Homebuyer program

First Time Homebuyer program是面向Lincoln，Nebraska购房者的延期第二贷款。 NWL First-Time Homebuyer education and counseling program; pairs with DPA soft-second to make ownership feasible for moderate-income first-time buyers in Lincoln. $238,165 max purchase. 640 FICO. Lancaster County 1-year residency required. The NeighborWorks Lincoln First Time Homebuyer Program guides first-time buyers in Lincoln through the homebuying process from start to finish. The program includes the four-class NWL Homebuyer Education curriculum (covering the loan process, terminology, budgeting, choosing a real estate agent, home inspections, home maintenance and more) plus 1:1 financial counseling, post-education access to NWL's Down Payment Assistance soft-second program, and ongoing post-purchase support. Maximum purchase price $238,165. Eligible buyers must be Lancaster County residents for >=1 year, be first-time homebuyers (no homeownership in past 3 years), and meet program income limits. Pairs naturally with NIFA HBA / Welcome Home Assistance first mortgages. 资金来自Federal、HOME、CDBG和City。

First Time Homebuyer program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：Per first-mortgage product (typically 30-year fixed amortization). 该援助以1st 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。

First Time Homebuyer program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：First-time homebuyer required (no homeownership in past 3 years). 关于信用，该项目说明：640 minimum mid-FICO across all three credit bureaus. 须参加购房者教育课程，由NeighborWorks Lincoln 4-class Homebuyer Education program (taught by NWL-certified instructors) plus 1:1 financial counseling. Class attendance required prior to receiving DPA / closing.提供。 居住要求：Must be a Lancaster County resident for at least 1 year. Property must be within Lincoln city limits. Owner-occupied principal residence. 公民身份或移民身份：U.S. permanent resident. First-time homebuyer (no homeownership in past 3 years). Lancaster County resident for >=1 year. Minimum credit score 640. $1,000 minimum borrower contribution. Household income within $57,200-$126,563 range (50%-120% AMI by household size for Lincoln MSA). Property must be within Lincoln city limits. Maximum purchase price $238,165 (HUD-published 95% area median sales price for Lincoln). Completion of NWL 4-class Homebuyer Education + 1:1 financial counseling required.

First Time Homebuyer program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 NWL FTHB program income range $57,200-$126,563 reflects HUD AMI by household size for the Lincoln MSA (50% AMI floor / 120% AMI ceiling for various property types). 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。

First Time Homebuyer program将房价上限设为$238,165。 符合条件的房屋类型包括Existing single-family homes within Lincoln city limits和some condos/townhouses per NWL underwriting. 新建房屋不符合条件。 预制房屋不符合条件。

First Time Homebuyer program在其服务群体中提到了退伍军人、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。

First Time Homebuyer program服务于在Lincoln，Nebraska购房的购房者。 该项目针对特定区域：NWL Partner Neighborhoods (Malone/Hawley, Capitol View) receive enhanced DPA incentives.

First Time Homebuyer program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Application submitted through NWL Homeownership Department; education classes offered on rotating schedule throughout the year.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。