Tenfold Lancaster Homebuyer Assistance Program

Tenfold Lancaster Homebuyer Assistance Program是面向Lancaster，Pennsylvania购房者的延期第二贷款，由Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP)管理。 Tenfold Community Lending (formerly LHOP) provides down payment and closing-cost assistance to first-time homebuyers purchasing a single-family home anywhere in Lancaster County, including Lancaster City. Assistance is a 0% interest, no-monthly-payment second-mortgage loan of up to 8% of the sale price, repaid in full when the home is sold, transferred, cash-out refinanced, or no longer the borrower's primary residence. Homes in the Southwest Lancaster (SoWe) neighborhood qualify for an enhanced amount. 0% interest, no monthly payments. Up to 8% of sale price toward down payment and closing costs. Enhanced assistance (up to $10,000) for SoWe neighborhood homes. Pre- and post-purchase counseling included. 资金来自HUD HOME Investment Partnerships Program funds (via Lancaster County) and other sources。

Tenfold Lancaster Homebuyer Assistance Program按项目规定，提供相当于房价8%的援助。 该项目要求购房者自付1% of purchase price or $1,000, whichever is greater。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP)决定。

Tenfold Lancaster Homebuyer Assistance 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：Repaid in full upon: (1) sale or transfer, (2) change to deed/title, (3) cash-out refinance, or (4) borrower ceases to occupy the home as their primary residence。 该援助以Second mortgage 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。

Tenfold Lancaster Homebuyer Assistance 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：Buyers who have not owned a home within the last 3 years qualify; a previously jointly-owned home with a former spouse (now divorced) is permitted if removed from deed and released from note/mortgage。 关于信用，该项目说明：Minimum middle credit score of 620; case-by-case exceptions; no-credit-score buyers need 3 open trade lines with 12-month satisfactory history。 须参加购房者教育课程，由HUD-approved Homebuyer Education Course; Tenfold (HUD-certified housing counseling agency); individual pre-settlement counseling required提供。 居住要求：Borrower's most recent permanent address must be within Lancaster County for 6 months (restrictions apply)。 公民身份或移民身份：U.S. citizens, permanent resident aliens, or non-permanent resident aliens with a valid SSN eligible to work and meeting a 5-year clearance date from settlement。 Must complete a HUD-approved homebuyer education course and individual counseling before settlement; Sales Agreement must include an executed Tenfold Addendum; cash reserve after closing no more than $7,500 and no less than one month's PITI.

Tenfold Lancaster Homebuyer Assistance Program将家庭收入限制在$103,875。 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。

Tenfold Lancaster Homebuyer Assistance Program将房价上限设为$277,000。 符合条件的房屋类型包括Single Family和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Tenfold Lancaster Homebuyer Assistance Program服务于在Lancaster，Pennsylvania购房的购房者。 该项目针对特定区域：Homes in the SoWe (Southwest Lancaster) neighborhood receive an enhanced amount (up to $10,000).

Tenfold Lancaster Homebuyer Assistance Program的申请通过Tenfold Community Lending (formerly Lancaster Housing Opportunity Partnership / LHOP)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。