Monroe County First-Time Homebuyer Program

Monroe County First-Time Homebuyer Program是面向Stroudsburg，Pennsylvania购房者的可免除贷款，由Redevelopment Authority of the County of Monroe管理。 The Monroe County RDA First-Time Homebuyer Program offers income-eligible first-time buyers a no-interest second mortgage up to $20,000 (or 20% of price, whichever is less) toward down payment and/or closing costs, plus an additional $5,000 for buyers who have lived in Monroe County at least 12 consecutive months. The loan is forgiven 10%/yr over a 10-year affordability period. No-interest forgivable second mortgage up to $20,000 (20% of price). +$5,000 local-resident bonus. forgiven over 10 years. 资金来自Monroe County Affordable Housing Trust Fund (Act 137)。

Monroe County First-Time Homebuyer Program提供最高$25,000的援助。 援助档次：Up to $20,000 or 20% of purchase price (whichever is less), plus an additional $5,000 for applicants who have lived in Monroe County at least 12 consecutive months (up to $25,000 total). 该项目要求购房者自付3% of purchase price from buyer's own funds。 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Redevelopment Authority of the County of Monroe决定。

Monroe County First-Time Homebuyer Program在10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：Repayment may apply within the 10-year affordability period if the property is sold/transferred, the borrower ceases to occupy it as primary residence, the first mortgage is paid off or refinanced above the original purchase price, or on default/misrepresentation. 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。

Monroe County First-Time Homebuyer Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time = not owned a home in the past 3 years. 关于信用，该项目说明：Good credit standing and ability to pay; reviewed by the participating first-mortgage lender. 须参加购房者教育课程，由HUD-approved Pre-Purchase Counseling Workshop提供。 居住要求：Property must be in Monroe County; +$5,000 for 12+ months Monroe County residents. 公民身份或移民身份：U.S. citizen or permanent resident alien。 Apply via Neighborly portal. Must contribute 3% own funds and complete HUD pre-purchase counseling.

Monroe County First-Time Homebuyer 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 at or below 100% of Monroe County median income (HUD-based, annual). 4-person $104,400. 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8。 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。

Monroe County First-Time Homebuyer Program的房价上限如下：Must not exceed the FHA maximum home purchase price for the area (subject to change). 符合条件的房屋类型包括Single Family。 新建房屋不符合条件。

Monroe County First-Time Homebuyer Program服务于在Stroudsburg，Pennsylvania购房的购房者。

Monroe County First-Time Homebuyer Program的申请通过Redevelopment Authority of the County of Monroe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。