Equity Builder Program (EBP)

Equity Builder Program (EBP)是面向Statewide，New Hampshire购房者的可免除贷款，由Federal Home Loan Bank of Boston (FHLBank Boston)管理。 The Equity Builder Program (EBP) is FHLBank Boston's homeownership set-aside grant for first-time homebuyers earning up to 80% of area median income. Grants - delivered through approved member banks and credit unions in New Hampshire - help with down payment, closing costs, an interest-rate buydown of up to 2 points, rehabilitation costs tied to the purchase, and up to $500 of homebuyer counseling. The grant is forgivable over five years and is repaid on a pro-rated basis only if the home is sold or no longer occupied as the primary residence during that period. Down-payment and closing-cost grant. Forgivable after 5 years. Up to 2-point interest-rate buydown. Can fund purchase-related rehab. Up to $500 toward homebuyer counseling. 资金来自FHLBank Boston Affordable Housing Program (AHP) set-aside funds。

Equity Builder Program (EBP)提供最高$25,000的援助。 援助档次：Per-household maximum set annually by FHLBank Boston. Member institution enrollment cap graduated: $160,000 for the first two funding-release periods, increasing to a maximum of $320,000 for the remaining releases. 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Federal Home Loan Bank of Boston (FHLBank Boston)决定。

Equity Builder Program (EBP)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale or transfer (or ceasing to occupy as primary residence) within 5 years of closing; repayment pro-rated in favor of the homeowner and only owed if the calculated repayment exceeds $2,500. 该援助以Subordinate (grant secured by retention agreement/mortgage)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。

Equity Builder Program (EBP)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由FHLBank Boston-approved counseling organization. NH-approved: AHEAD, Inc.; Community Home Solutions; GreenPath Financial Wellness; NeighborWorks Southern New Hampshire; New Hampshire Housing Finance Authority.提供。 First-time homebuyers only. No cash back to the buyer in excess of $250; cannot reimburse earnest-money deposits. A signed offer/P&S with a property address is required to reserve funds; final P&S within 30 days. Per-household maximum is set annually and varies by year - confirm current amount with the member bank (max shown reflects order-of-magnitude set-aside maximum, not a guaranteed amount).

Equity Builder Program (EBP)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 may not exceed 80% of area median income (AMI); AMI derived from the specific state/city/town of the property. ALL income for ALL household members occupying the property is counted. 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。

Equity Builder Program (EBP)可用于Single Family、Condo和2-4 Unit。

Equity Builder Program (EBP)服务于在Statewide，New Hampshire购房的购房者。

Equity Builder Program (EBP)的申请通过Federal Home Loan Bank of Boston (FHLBank Boston)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First-come, first-served; member institutions reserve grants through FHLBank Boston's Community Lending online system once the buyer has an executed offer/Purchase & Sales agreement.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。