OHFA Gold Shield

OHFA Gold Shield是面向Oklahoma购房者的第二抵押贷款。 OHFA Gold Shield is an occupation-specific rate-discount overlay within OHFA's Gold Loan program (Mortgage Revenue Bond) for qualifying firefighters (municipal or volunteer), CLEET-certified police officers, and EMS workers. Qualifying borrowers receive a -0.125% reduction from the posted OHFA Gold Government rate (FHA/VA/USDA-RD/HUD Section 184) plus 3.5% of total loan amount as a 0% interest, no-monthly-payment silent second mortgage for down payment and closing cost assistance. The DPA lien is deferred and becomes due upon sale, refinance, transfer, or when the property is no longer the primary residence. A companion Freddie Mac (conventional) variant exists. MCC combination not permitted. Rate discount of -0.125% below posted OHFA Gold Government rate for qualifying first responders and EMS. 3.5% of total loan amount as 0% interest silent second mortgage DPA. No monthly payment on DPA lien. DPA due on sale, refinance, or transfer. 30-year fixed rate first mortgage. No prepayment penalty. 资金来自State - Mortgage Revenue Bond (GNMA securitized)。

OHFA Gold Shield是第二抵押贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale, refinance, transfer of title, or property no longer primary residence。 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。

OHFA Gold Shield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：640-679 FICO: max 45% DTI; 680+ FICO: max 50% DTI; Manufactured housing: 660 minimum。 须参加购房者教育课程。 居住要求：Primary residence only。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 First-responder rate-discount overlay; qualifying roles: municipal/volunteer firefighter, CLEET-certified police officer, EMS worker employed by an EMS provider.

OHFA Gold Shield将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Income limits at 115% AMI per OHFA Gold product guides; set by county and household size. Confirm with current OHFA rate sheet at ohfa.org/specialrates/. 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。

OHFA Gold Shield将房价上限设为$349,525。 符合条件的房屋类型包括Single Family、Condo、Townhouse和PUD。 新建房屋符合条件。 预制房屋不符合条件。

OHFA Gold Shield在其服务群体中提到了执法人员、消防员和医护人员。 该项目还仅限Municipal/volunteer fire departments; CLEET-certified law enforcement agencies; EMS providers的员工。 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。

OHFA Gold Shield服务于在Oklahoma任何地方购房的购房者。 该项目针对特定区域：IRS-designated federally targeted census tracts in Oklahoma; targeted areas have higher purchase price limits ($427,198 vs $349,525) and may allow repeat buyers。

OHFA Gold Shield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OHFA lender portal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。