ROC Preferred

ROC Preferred是面向Statewide，New Hampshire购房者的可免除贷款。 NH Housing's manufactured-home-in-Resident-Owned-Community first-mortgage product. Pairs with up to 4% Cash Assistance forgivable DPA. 620 FICO government / 680 conventional. Statewide ROC parks. NH Housing's ROC Preferred is a 30-year fixed CONVENTIONAL first-mortgage product specifically for borrowers purchasing a manufactured home on land in an approved Resident-Owned Community (ROC) - cooperative manufactured-home parks where residents collectively own the underlying land. Title to the manufactured home (chattel-style on a leased pad in a member-owned cooperative) is financed via a real-estate-secured conventional mortgage given the cooperative ownership structure. 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). 620 minimum FICO government / 680 conventional. Income limits up to $176,200 / $125,900-$144,785 non-targeted by household size. Homebuyer education required. NH Housing's ROC Preferred is unique nationally - it leverages the NH Community Loan Fund's pioneering ROC USA cooperative-park model. 资金来自State和Bond。

ROC 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。

ROC Preferred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：620 minimum FICO government / 680 conventional. 须参加购房者教育课程，由NH Housing-approved homebuyer education course PLUS ROC-specific cooperative-membership orientation provided by the ROC park.提供。 居住要求：Property must be in a NH Housing-approved ROC located in New Hampshire; primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Property must be a manufactured home located in a NH Housing-approved Resident-Owned Community (ROC) - a cooperatively-owned manufactured housing park (typically supported by NH Community Loan Fund's ROC USA program). Owner-occupied primary residence. 620 minimum FICO government / 680 conventional. Maximum 45% DTI. Household income at or below NH Housing limits ($125,900 1-2 / $144,785 3+ non-targeted; $151,080 / $176,200 targeted). Homebuyer education required. Membership in the ROC cooperative required.

ROC Preferred将家庭收入限制在$176,200。 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。

ROC Preferred的房价上限如下：Acquisition cost limits per NH Housing standard schedule. ROC manufactured-home purchase prices typically well below state median given cooperative-pad ownership structure. 符合条件的房屋类型包括Manufactured home (singlewide, doublewide, modular) in a NH Housing-approved Resident-Owned Community (ROC) cooperative manufactured-home park. Membership share in the ROC cooperative required. 新建房屋符合条件。 预制房屋符合条件。

ROC 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。

ROC Preferred服务于在Statewide，New Hampshire购房的购房者。 该项目针对特定区域：Statewide ROC parks (~120+ Resident-Owned Communities across NH).

ROC 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。