RI AnchorHome

RI AnchorHome是面向Rhode Island购房者的第一抵押贷款，由Rhode Island Office of the General Treasurer管理。 RI AnchorHome is an initiative of the Rhode Island Office of the General Treasurer that uses strategic State deposits at participating local financial institutions to help first-time homebuyers obtain more affordable conventional mortgages. When a qualifying first-time buyer is approved, the State deposits matching funds at the same institution, giving the lender flexibility to offer a lower interest rate and eliminate private mortgage insurance (PMI). The mortgage is issued and serviced entirely by the lender, and the borrower has no obligations to the Treasury. Up to $80 million in State deposits may be deployed statewide. Traditional 30-year fixed mortgage through a trusted local lender. Lower monthly costs from reduced interest rates. No private mortgage insurance (PMI). Other DPA and closing-cost assistance programs may be layered. No obligation to the State Treasury. 资金来自State of Rhode Island deposits (Treasury Community Deposit Program); up to $80 million in State deposits may be deployed statewide to support qualifying loans。

RI AnchorHome是第一抵押贷款，按Rhode Island Office of the General Treasurer设定的条款偿还。 该援助以first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。

RI AnchorHome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：Set by the participating lender; not published by Treasury。 须参加购房者教育课程，由Required homeownership counseling (provider arranged through participating lender); specific providers not named on Treasury page提供。 居住要求：Property must be a primary residence in Rhode Island。 Pilot program launched December 2025 in partnership with Navigant Credit Union, Coastal 1, and Washington Trust. Borrowers may not own other residential property at time of closing. Homeownership counseling required. Income capped at 110% of statewide income limits. Minimum credit score and DTI are set by the participating lender and are not published by Treasury. NOTE: dollar-level income table, credit score, and DTI left null because Treasury's primary page does not publish them; verify with a participating lender.

RI AnchorHome将家庭收入限制在地区收入中位数的110%，该数值因县和家庭人数而异。 Household income capped at 110% of statewide income limits. Specific dollar thresholds are set/applied by participating lenders; Treasury page states the cap as 110% of statewide income limits but does not publish a dollar table by household size. 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。

RI AnchorHome的房价上限如下：No published purchase-price cap; loan amount is capped at $525,000 (single-family) / $575,000 (two-family)。 符合条件的房屋类型包括single_family和two_family。

RI AnchorHome服务于在Rhode Island任何地方购房的购房者。

RI AnchorHome的申请通过Rhode Island Office of the General Treasurer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Borrower works directly with a participating financial institution; State deposits matching funds into an account at the same institution upon loan approval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。