Welcome Home Program

Welcome Home Program是面向Statewide，Nebraska购房者的延期第二贷款。 NIFA flexible first-mortgage program for first-time AND repeat buyers. Higher income/purchase price limits than First Home. 640 FICO / 45% DTI; 660 FICO / 50% DTI. Statewide. The NIFA Welcome Home Program is a flexible 30-year fixed-rate first-mortgage product available to first-time AND repeat homebuyers. Income and purchase-price limits apply, with the Welcome Home tier offering higher income ($175,500 household effective 7/7/2025) and higher purchase-price limits ($485,500 for 1 unit / $607,000 for 2 units) than NIFA's First Home program. Loan-type options include Conventional, FHA, VA, and USDA Rural Development. Welcome Home is the first-mortgage-only product. the companion Welcome Home Assistance (WHA) program adds an HBA-style second-mortgage DPA for buyers needing down payment or closing-cost help. 资金来自State和Bond。

Welcome Home 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：Standard 30-year fixed-rate first-mortgage 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。

Welcome Home Program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：640 minimum representative mid-FICO (45% max DTI). 660+ FICO permits up to 50% DTI on conventional and government loans. 居住要求：Property must be located in Nebraska and serve as borrower's principal residence within 60 days of closing. 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. Owner-occupied principal residence within 60 days of closing. Household income up to $175,500 effective 7/7/2025 (single statewide cap; not tiered by household size). Acquisition cost within NIFA Welcome Home limits ($485,500 for 1 unit / $607,000 for 2 units, effective 7/7/2025). 640 mid-FICO minimum (45% DTI); 660 FICO permits 50% DTI. $1,000 min borrower contribution. First-time homebuyer education required ONLY if borrower is a first-time homebuyer (no education required for repeat buyers).

Welcome Home Program将家庭收入限制在$175,500。 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。

Welcome Home Program将房价上限设为$485,500。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD、2-unit per NIFA Welcome Home rules和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

Welcome Home 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。

Welcome Home Program服务于在Statewide，Nebraska购房的购房者。

Welcome Home 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Reserved by approved participating lender via NIFA's Lender Online portal at time of rate lock.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。