Umatilla Saves Program

Umatilla Saves Program是面向Pendleton|Mission，Oregon购房者的延期第二贷款。 Nixyaawii Community Financial Services (NCFS) is a Native CDFI of the Confederated Tribes of the Umatilla Indian Reservation. Its Umatilla Saves program offers matched-savings and DPA loan products to qualified Native households purchasing primary residences in Umatilla County and surrounding region. Tribal CDFI matched savings / down payment assistance loan program for members of the Confederated Tribes of the Umatilla Indian Reservation (CTUIR) and other eligible Native households purchasing primary residences. Funds may be used for down payment, closing costs, and pre-paids. 资金来自Tribal、CDFI和Treasury。

Umatilla Saves 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：Sale, transfer, refinance without subordination, or loss of 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。

Umatilla Saves Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：620 minimum FICO。 须参加购房者教育课程，由NCFS Financial Education / HUD-approved counseling提供。 居住要求：Property typically within Umatilla County and surrounding tribal service area。 公民身份或移民身份：U.S. citizen / Tribal enrollment。 Must be an enrolled member of CTUIR or other federally recognized tribe (per NCFS policy). Pre-purchase homebuyer education and financial education required. Income limits up to 100% AMI ($17,100 minimum for very-low income tier; up to $87,450 for larger households). 620 minimum FICO.

Umatilla Saves Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household income tiers from very-low (~$17,100 for 1-person) up to 100% AMI (~$87,450 for larger households, 2025). 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。

Umatilla Saves Program的房价上限如下：Set per program guidelines。 符合条件的房屋类型包括1-unit single-family, condominium, townhome, PUD, manufactured home on owned land。 新建房屋符合条件。 预制房屋符合条件。

Umatilla Saves Program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。

Umatilla Saves Program服务于在Pendleton|Mission，Oregon购房的购房者。

Umatilla Saves 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Application through NCFS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。