Ocean County Consortium First-Time Homebuyer Program

Ocean County Consortium First-Time Homebuyer Program是面向Ocean县，New Jersey购房者的延期第二贷款，由O.C.E.A.N., Inc. (administering the Ocean County HOME Consortium)管理。 HOME-funded down payment and closing cost assistance for low- and moderate-income first-time homebuyers purchasing in Ocean County. Sponsored by the Ocean County Board of Commissioners on behalf of the Ocean County HOME Consortium (Ocean County, Brick, Jackson, Lakewood, Toms River) and administered by O.C.E.A.N., Inc. as a deferred second mortgage forgiven after 6 years. $15,000 down payment and closing cost assistance. Deferred second mortgage forgiven after 6 years. Reduced bank fees; no mortgage points. 资金来自HUD HOME Investment Partnerships Program (Ocean County Consortium)。

Ocean County Consortium First-Time Homebuyer Program提供最高$15,000的援助。 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O.C.E.A.N., Inc. (administering the Ocean County HOME Consortium)决定。

Ocean County Consortium First-Time Homebuyer Program在6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, rental, or cash-out refinance within 6 years triggers full repayment; forgiven after 6 years of continuous primary-residence occupancy. 该援助以Second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。

Ocean County Consortium First-Time Homebuyer Program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：Applicant who previously owned with a former spouse/partner and no longer resides there, buying solely, may qualify. 关于信用，该项目说明：Must be 'mortgage ready' with minimum credit score of 620. 须参加购房者教育课程，由O.C.E.A.N., Inc. HUD-Certified Homeownership Education Workshops (two-part, 6 hours).提供。 居住要求：Must be an Ocean County resident; home in Ocean County occupied as principal residence within 60 days of closing. 公民身份或移民身份：Must be a U.S. citizen or qualified alien.

Ocean County Consortium First-Time Homebuyer Program将家庭收入限制在$97,800。 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。

Ocean County Consortium First-Time Homebuyer Program将房价上限设为$475,000。 符合条件的房屋类型包括Single Family、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Ocean County Consortium First-Time Homebuyer Program服务于在Ocean县，New Jersey购房的购房者。

Ocean County Consortium First-Time Homebuyer Program的申请通过O.C.E.A.N., Inc. (administering the Ocean County HOME Consortium)办理，该机构在其网站上公布现行条款和申请步骤。 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。