Homepath

Homepath是面向Oklahoma City，Oklahoma购房者的延期第二贷款。 NHS Oklahoma Homepath — workforce-tier down payment assistance for first-time homebuyers in Oklahoma City NHS service neighborhoods. 0% deferred 5-year forgivable second mortgage administered by NHS Oklahoma, NeighborWorks affiliate. Up to ~$10,000 in down payment and closing cost assistance for first-time homebuyers in Oklahoma City NHS service neighborhoods. 0% deferred 5-year forgivable second mortgage administered by Neighborhood Housing Services Oklahoma, a HUD-approved housing counseling agency and NeighborWorks chartered member. 资金来自Local、City、NeighborWorks、CDBG和HOME。

Homepath在5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：Pro rata recapture if owner sells, refinances, or vacates within 5-year affordability period。 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。

Homepath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：620 minimum FICO (program floor); lender overlays may be higher。 须参加购房者教育课程，由Neighborhood Housing Services Oklahoma — HUD-approved housing counseling agency. NHS pre-purchase homebuyer education and one-on-one counseling required.提供。 居住要求：Property within NHS Oklahoma service area (Oklahoma City central-city neighborhoods); owner-occupied。 公民身份或移民身份：U.S. citizen or qualifying permanent resident。 First-time homebuyer. Property within NHS Oklahoma service area (Oklahoma City central-city neighborhoods primarily). Income $66,500-$95,100 by household size (~120% AMI 1-4 person OKC MSA — workforce tier). 620 minimum FICO. Max purchase price $250,000. NHS pre-purchase education and one-on-one counseling required. 5-year affordability period.

Homepath将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household income $66,500 (1 person) to $95,100 (4 person) — workforce tier ~120% AMI OKC MSA. 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4。 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。

Homepath将房价上限设为$250,000。 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。

Homepath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。

Homepath服务于在Oklahoma City，Oklahoma购房的购房者。 该项目针对特定区域：Oklahoma City NHS target neighborhoods (central-city revitalization areas)。

Homepath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 NHS Oklahoma; first-come first-served per annual program allocation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。