Home Ownership Loan Program

Home Ownership Loan Program是面向Warren，Ohio购房者的延期第二贷款。 City of Warren HOLP: $5,000 0% interest deferred non-forgivable second mortgage for FTHBs within Warren city limits. Up to $5,000 in down payment and closing cost assistance for first-time homebuyers purchasing within City of Warren limits (Trumbull County). 0% interest deferred second mortgage due on sale, refinance, or transfer of title (NOT forgivable). City of Warren CDBG/HOME-funded. 资金来自Local、City、CDBG和HOME。

Home Ownership Loan Program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：Full balance due on sale, refinance, or transfer of title — not forgivable over time。 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 Ownership Loan 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：Standard HUD HOME FTHB waivers。 关于信用，该项目说明：640 minimum FICO recommended。 须参加购房者教育课程，由HUD-approved housing counseling agencies in Mahoning Valley including Trumbull Mobile Meals, Trumbull NHS, and Mahoning Valley NeighborWorks提供。 居住要求：Property within City of Warren limits, owner-occupied。 公民身份或移民身份：U.S. citizen or qualifying permanent resident。 First-time homebuyer. Property within City of Warren limits as primary residence. <=80% AMI Youngstown-Warren-Boardman MSA (Trumbull County): $28,000-$84,500 by household size. Maximum purchase price $156,655. HUD-approved homebuyer education required. Minimum $1,000 borrower contribution.

Home Ownership Loan Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% Youngstown-Warren-Boardman MSA AMI: $28,000-$84,500 by household size. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 Ownership Loan Program将房价上限设为$156,655。 符合条件的房屋类型包括Single-family detached, condo, townhouse, 1-2 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Home Ownership Loan Program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 Ownership Loan Program服务于在Warren，Ohio购房的购房者。

Home Ownership Loan Program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Apply via City of Warren Community Development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。