Home Preferred

Home Preferred是面向Statewide，New Hampshire购房者的可免除贷款。 NH Housing's HFA conventional FTHB first-mortgage product (Fannie Mae HFA Advantage / Freddie Mac HFA Preferred). Reduced MI, 97% LTV. Pairs with up to 4% Cash Assistance forgivable DPA. 620 FICO. 80% AMI income limit. Statewide. NH Housing's Home Preferred is a 30-year fixed HFA Advantage / HFA Preferred CONVENTIONAL first-mortgage product (Fannie Mae / Freddie Mac HFA conventional) with reduced mortgage insurance and up to 97% LTV. Pairs with the standard NH Housing Cash Assistance second mortgage providing up to 4% of the base loan amount as a 0%-interest forgivable second (1%/year over 4 years). Designed for borrowers at or below 80% area median income (AMI) - lower-income tier than Home First / Home Flex. Income limits range $70,500-$132,950 by county and household size. Acquisition cost up to $950,000 in higher-cost counties / $505,000 non-targeted. 620 minimum FICO. First-time-homebuyer required. Reduced MI provides significant monthly payment savings vs. standard conventional 97% products. 资金来自State和Bond。

Home Preferred在4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：First mortgage: standard 30-year amortizing. Cash Assistance second: 0% interest, 1%/year forgiveness over 4 years和unforgiven balance due on sale/refinance/transfer/non-owner-occupancy before 4 years. 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。

Home Preferred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 requirement waived in federally designated targeted census tracts and for qualifying veterans under IRS Section 143(d)(2)(B). 关于信用，该项目说明：620 minimum FICO for HFA Advantage / HFA Preferred conventional product. 须参加购房者教育课程，由NH Housing-approved homebuyer education course (Framework online or in-person via AHEAD, NeighborWorks Southern NH, The Way Home).提供。 居住要求：Property must be located in New Hampshire and be the borrower's primary residence. Statewide eligibility. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per HFA conventional product overlays. First-time homebuyer required. Owner-occupied primary residence. 620 minimum FICO. Maximum 45% DTI. Household income at or below 80% AMI for the county / household size (range $70,500-$132,950). Maximum purchase price $505,000 non-targeted / up to $950,000 higher-cost counties. Homebuyer education required. Borrower must use HFA Advantage / HFA Preferred conventional first mortgage with reduced MI.

Home Preferred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。 NH Housing Home Preferred income limits at or below 80% AMI by county and household size. Range $70,500 (low-AMI 1-person county) to $132,950 (higher-cost 4+ person county). 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。

Home Preferred将房价上限设为$950,000。 符合条件的房屋类型包括Single-family detached, 2-4 unit owner-occupied (per HFA conventional overlays), condominium (project-approved), townhouse, PUD, modular. 新建房屋符合条件。 预制房屋不符合条件。

Home Preferred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。

Home Preferred服务于在Statewide，New Hampshire购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts where MRB FTHB requirement is waived. Higher-cost counties (Rockingham, Strafford, Hillsborough) have higher acquisition-cost limits up to $950,000.

Home Preferred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 through NH Housing's online lender portal (Lender Online) at time of rate lock by approved participating lender.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。