Home Is Possible

Home Is Possible是面向Statewide，Nevada购房者的延期第二贷款。 NHD 4% DPA forgivable second (3-year forgivable, 0% interest, no payments) paired with an NHD first mortgage. NO FTHB requirement. 640/680 FICO, 50% DTI, $165K income cap, $832,750 purchase-price cap. Statewide. Home Is Possible (HIP) is the Nevada Housing Division's general (non-FTHB) DPA program. Eligible homebuyers receive up to 4% of the first-mortgage amount as down payment / closing-cost assistance, structured as a 3-year forgivable second mortgage at 0% interest with no monthly payments. The DPA is paired with an NHD-issued 30-year fixed first mortgage (FHA, VA, USDA, or Fannie/Freddie HFA conventional). The first-mortgage rate is set slightly higher than open-market to fund the DPA. NO FIRST-TIME HOMEBUYER REQUIREMENT - repeat buyers and previous homeowners are eligible. Higher income and purchase-price ceilings than HIP FTHB. After 3 years of continuous owner-occupancy, the second mortgage is fully forgiven. 资金来自State和Bond。

Home Is Possible在3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：Full balance due if borrower sells, refinances, transfers title, or ceases owner-occupancy within the 3-year forgiveness period. Fully forgiven after 3 years of continuous owner-occupancy. 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。

Home Is Possible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：640 minimum mid-FICO for FHA/VA/USDA; 680 minimum for Fannie/Freddie HFA Preferred / HFA Advantage conventional. 须参加购房者教育课程，由NHD-approved homebuyer education provider; HUD-approved counseling agencies, Framework Homeownership, eHome America, and Money Management International (MMI) are accepted.提供。 居住要求：Property must be located in Nevada and serve as borrower's principal residence. 公民身份或移民身份：U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. NO first-time homebuyer requirement (repeat buyers eligible). Owner-occupied principal residence required. Single statewide household income cap of $165,000 (regardless of household size). Acquisition price limit $832,750 statewide. 640 minimum mid-FICO for FHA/VA/USDA; 680 minimum for Fannie/Freddie HFA conventional. 50% maximum DTI. NHD-approved homebuyer education required. Must originate first mortgage with NHD-approved participating lender.

Home Is Possible将家庭收入限制在$165,000。 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 Is Possible将房价上限设为$832,750。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (FHA only)和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

Home Is Possible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 Is Possible服务于在Statewide，Nevada购房的购房者。

Home Is Possible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 by approved participating lender via NHD Lender Online portal at time of rate lock.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。