Keystone Advantage Assistance Loan Program

Keystone Advantage Assistance Loan Program是面向Statewide，Pennsylvania购房者的第二抵押贷款，由Pennsylvania Housing Finance Agency管理。 The Keystone Advantage Assistance Loan Program provides a second mortgage to help with downpayment and closing costs on a home purchase. Qualified borrowers can receive up to 4% of the purchase price or market value, or $6,000 (whichever is less). The loan carries 0% interest and is amortized over a 10-year term. It is paired with a PHFA first mortgage (HFA Preferred, Keystone Government, or Keystone Home Loan). Up to 4% of price or $6,000 (lesser) toward downpayment and closing costs. 0% interest. 10-year amortized repayment. Pairs with conventional, FHA, VA, or RD first mortgages. Statewide availability.

Keystone Advantage Assistance Loan Program提供$500至$6,000的援助。 该项目可与Access Modification Loan Program结合使用。 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Pennsylvania Housing Finance Agency决定。

Keystone Advantage Assistance Loan Program是第二抵押贷款，按Pennsylvania Housing Finance Agency设定的条款偿还。 触发还款的情形：Repaid in monthly installments; amortized over a 10-year term at 0% interest (second mortgage repaid concurrently with the first mortgage). 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。

Keystone Advantage Assistance Loan Program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：All borrowers must have a minimum credit score of 660. 须参加购房者教育课程，由PHFA-approved counseling agencies; online education via PHFA (phfatraining.org) or Framework HomeView. Face-to-face required for FICO below 680 and for borrowers obtaining the K-Gov assistance loan.提供。 Minimum loan amount $500. Liquid assets may not exceed $50,000 after deducting funds needed to close (excludes penalty-restricted retirement accounts). Assistance limited to minimum required downpayment and/or closing costs.

Keystone Advantage Assistance Loan Program的收入限制如下：Borrowers must meet the income limits of the underlying PHFA first mortgage program. PHFA uses county-by-county income limit tables (Keystone Home Loan/Keystone Government Appendix A; HFA Preferred Appendix B). 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。

Keystone Advantage Assistance Loan Program可用于Single Family、2-4 Unit、Condo和Manufactured。 预制房屋符合条件。

Keystone Advantage Assistance Loan Program服务于在Statewide，Pennsylvania购房的购房者。

Keystone Advantage Assistance Loan Program的申请通过Pennsylvania Housing Finance Agency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。