Your Turn Homebuyer Assistance

Your Turn Homebuyer Assistance是面向Statewide，New Hampshire购房者的延期第二贷款。 NH Community Loan Fund's CDFI-funded statewide DPA second-mortgage program. Gap-underwritten case-by-case; below-market interest rate. Targets borrowers outside NH Housing's standard matrix. NH Community Loan Fund's Your Turn Homebuyer Assistance is a statewide subordinate-loan DPA program from New Hampshire's largest CDFI. Provides flexible second-mortgage / DPA financing for low- and moderate-income first-time homebuyers, particularly those who do not fit into NH Housing's standard product matrix (e.g., manufactured home buyers outside ROCs, self-employed borrowers, gig-economy households, recent immigrants, and households with non-traditional credit). The program layers a below-market-rate second mortgage (typically 0%-3% interest, deferred or amortizing depending on borrower circumstance) on a partner first mortgage. Loan amounts and terms are gap-underwritten case-by-case. Available statewide. Pairs with NH Housing first mortgages, USDA-RD Section 502, AHEAD Pathways grants, and select community-bank conventional first mortgages. Homebuyer education and 1:1 housing counseling required (provided by Community Loan Fund-affiliated counseling agencies including NeighborWorks Southern NH, AHEAD, and The Way Home). 资金来自CDFI。

Your Turn Homebuyer Assistance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：Deferred or amortizing structure depending on borrower和typically 0%-3% interest, deferred until maturity, sale, refinance, or non-owner-occupancy. Specific terms negotiated case-by-case. 该援助以2nd 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。

Your Turn Homebuyer Assistance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：Exceptions for displaced workers, domestic-violence survivors, recent immigrants, and reentering citizens per Community Loan Fund underwriting guidelines. 关于信用，该项目说明：Per first-mortgage product overlays. Community Loan Fund accepts non-traditional credit (rental / utility / cash-only payment history) for borrowers without traditional FICO scores. 须参加购房者教育课程，由NH Community Loan Fund-affiliated HUD-certified housing counseling agencies: NeighborWorks Southern NH (Manchester area), AHEAD (Northern NH), The Way Home (Manchester / statewide).提供。 居住要求：Property must be located in New Hampshire. Statewide eligibility. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident with work authorization. First-time homebuyer required (or specific Community Loan Fund-approved exception for displaced workers / domestic-violence survivors / recent immigrants). Owner-occupied primary residence. Household income limits per Community Loan Fund underwriting (typically at or below 80%-100% AMI by county, gap-underwritten). Property must be located in New Hampshire. Homebuyer education + 1:1 housing counseling with a Community Loan Fund-affiliated agency required. Successful completion of Community Loan Fund's underwriting (gap-financing model - amount sized to the borrower's actual need, not a fixed cap).

Your Turn Homebuyer Assistance的收入限制如下：Community Loan Fund Your Turn income limits per case-by-case underwriting; typically at or below 80%-100% AMI by 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。

Your Turn Homebuyer Assistance的房价上限如下：Per first-mortgage product limits. 符合条件的房屋类型包括Single-family detached, 2-4 unit owner-occupied, condominium, townhouse, manufactured home on owned land, and manufactured home in a Resident-Owned Community. 新建房屋符合条件。 预制房屋符合条件。

Your Turn Homebuyer Assistance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、遗属配偶和残障购房者。 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。

Your Turn Homebuyer Assistance服务于在Statewide，New Hampshire购房的购房者。

Your Turn Homebuyer Assistance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 directly with NH Community Loan Fund via housing-counseling intake; subject to gap-underwriting and fund availability.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。