Growing Homeowners Initiative (Luzerne County)

Growing Homeowners Initiative (Luzerne County)是面向Luzerne县，Pennsylvania购房者的可免除贷款，由Housing Development Corporation of NEPA (HDC)管理。 The Growing Homeowners Initiative (GHI), administered by the Housing Development Corporation of NEPA with the Luzerne County Housing Trust Fund, helps low- and moderate-income families buy a home in Luzerne County with up to $7,500 in closing-cost assistance (a second mortgage forgiven over 5 years) plus free homebuyer education. Participants maintain a 90-day savings plan, save 2-3% for down payment, and keep 3 months of mortgage reserves. Up to $7,500 closing-cost assistance (forgiven over 5 yrs). free homebuyer counseling/education. matched-savings model. 资金来自Luzerne County Housing Trust Fund (Act 137)。

Growing Homeowners Initiative (Luzerne County)提供最高$7,500的援助。 购房者自付部分：Save 2-3% of purchase price (by income) + 3 months mortgage reserves at closing。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Housing Development Corporation of NEPA (HDC)决定。

Growing Homeowners Initiative (Luzerne County)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：Closing-cost assistance secured by a second mortgage forgiven over 5 years; repayment applies if sold or no longer owner-occupied within the forgiveness period. 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。

Growing Homeowners Initiative (Luzerne County)面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由HDC of NEPA (3+ homebuyer readiness workshops; one-on-one Homeownership Specialist counseling)提供。 居住要求：Funds used toward purchase of a home in Luzerne County。 Maintain savings plan 90+ days; save 2-3% of price; 3 months mortgage reserves at purchase; attend 3+ workshops; intake with a Homeownership Specialist. First-time-buyer status not specified on source. Verify GHI intake phone before publishing.

Growing Homeowners Initiative (Luzerne County)的收入限制如下：Low- and moderate-income guidelines set by HDC / Luzerne County Office of Community Development (specific limits not published on source). 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。

Growing Homeowners Initiative (Luzerne County)服务于在Luzerne县，Pennsylvania购房的购房者。

Growing Homeowners Initiative (Luzerne County)的申请通过Housing Development Corporation of NEPA (HDC)办理，该机构在其网站上公布现行条款和申请步骤。 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。