Native Partnership for Housing Gap Financing (Second Mortgage)

Native Partnership for Housing Gap Financing (Second Mortgage)是面向Gallup，New Mexico购房者的第二抵押贷款，由Native Partnership for Housing, Inc. (NPH)管理。 Native Partnership for Housing (NPH), a Gallup-based Native community development lender and certified HUD Section 184 lender, offers a Gap Financing second-mortgage product for eligible Native American homebuyers whose purchase price exceeds Section 184 or other first-mortgage loan limits. The repayable second mortgage bridges the gap so the buyer can move forward with the purchase. NPH also provides homebuyer education, housing counseling, and down payment/closing-cost assistance. Bridges the gap above Section 184 or other loan limits. Pairs with Section 184 or NPH Internal Purchase Loan. Specialized in Native homeownership (on and off tribal lands). Homebuyer education and counseling included. Can be used for new construction, existing homes, or manufactured homes. 资金来自Native Partnership for Housing, Inc. (CDFI / Native community development lender), subject to funding availability。

Native Partnership for Housing Gap Financing (Second Mortgage)是第二抵押贷款，按Native Partnership for Housing, Inc. (NPH)设定的条款偿还。 触发还款的情形：Must be repaid (repayable second mortgage); fills the gap when a home's purchase price exceeds Section 184 or other program loan limits。 该援助以Second (subordinate to the primary 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。

Native Partnership for Housing Gap Financing (Second Mortgage)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：Subject to credit review and approval; full documentation required; not all applicants will be approved。 须参加购房者教育课程，由Native Partnership for Housing homebuyer education (NPH is a HUD-approved housing counseling/education provider; eHomeAmerica/nph online course)提供。 居住要求：Serves Native American homebuyers throughout New Mexico, Arizona, Southern Utah, and Southern Colorado (on and off tribal lands)。 This loan must be repaid (it is a repayable second mortgage, not a grant or forgivable loan). Subject to credit review, approval, full documentation, and NPH criteria; not all applicants will be approved. Available only to Native American homebuyers (race/ethnicity restricted by NPH's mission and lending charter). Down payment, closing-cost assistance, and gap financing are referenced generally; specific dollar amounts, interest rate, term, and income limits are not published on the primary source and are quoted per applicant.

Native Partnership for Housing Gap Financing (Second Mortgage)的收入限制如下：Income/eligibility determined at application against NPH criteria; specific limits not published on the primary source. 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。

Native Partnership for Housing Gap Financing (Second Mortgage)的房价上限如下：Designed for cases where the purchase price exceeds Section 184 or other program loan limits。 符合条件的房屋类型包括Single-family (1-4 units, primary residence)、New construction (site-built or manufactured on permanent foundation)和Existing home。 新建房屋符合条件。 预制房屋符合条件。

Native Partnership for Housing Gap Financing (Second Mortgage)在其服务群体中提到了美洲印第安人和阿拉斯加原住民购房者。 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。

Native Partnership for Housing Gap Financing (Second Mortgage)服务于在Gallup，New Mexico购房的购房者。

Native Partnership for Housing Gap Financing (Second Mortgage)的申请通过Native Partnership for Housing, Inc. (NPH)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Loan Application Intake Form submitted to NPH; subject to credit review and approval and meeting NPH criteria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。