Palmetto Home Advantage

Palmetto Home Advantage是面向Statewide，South Carolina购房者的可免除贷款。 SC Housing's flagship statewide non-bond TBA program: 30-year fixed first mortgage + up to 4% forgivable DPA second over 10 years. No FTHB requirement; 640 FICO; $135,750 income cap. Palmetto Home Advantage is SC Housing's flagship statewide non-bond / TBA homeownership program. It pairs a 30-year fixed-rate first mortgage with up to 4% of the first-mortgage loan amount as down payment assistance. The DPA is structured as a forgivable second-lien loan at 0% interest, fully forgiven after 10 years of continued owner-occupancy. Because Palmetto Home Advantage is non-bond/TBA, there is no first-time homebuyer requirement. Eligible loan products include FHA, VA, USDA-RD, and conventional (Fannie Mae HFA Preferred / Freddie Mac HFA Advantage). Available statewide to qualifying buyers with a 640+ FICO and household income up to $135,750. 资金来自State和TBA。

Palmetto Home Advantage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：Forgiven over 10 years of owner-occupancy. Unforgiven balance due on sale, refinance, transfer, or non-owner-occupancy before 10 years. 该援助以2nd 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。

Palmetto Home Advantage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：640 minimum representative FICO across all borrowers per SC Housing program guidelines. 须参加购房者教育课程，由HUD-approved counseling agency or SC Housing-approved online provider (Framework, eHome America).提供。 居住要求：Property must be located in South Carolina and serve as borrower's principal residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Owner-occupied principal residence anywhere in South Carolina. Household income at or below $135,750. 640 minimum representative FICO. Homebuyer education required for all conventional borrowers (and FHA when all borrowers are FTHB). No first-time homebuyer requirement (non-bond TBA program).

Palmetto Home Advantage将家庭收入限制在$135,750。 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。

Palmetto Home Advantage的房价上限如下：Conforming loan limit applies (no SC Housing-specific sales price cap on the non-bond TBA product). 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD和manufactured home on permanent foundation per servicer overlays. 新建房屋符合条件。 预制房屋符合条件。

Palmetto Home Advantage在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Palmetto Home Advantage服务于在Statewide，South Carolina购房的购房者。

Palmetto Home Advantage的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved through SC Housing's Lender Online portal at time of rate lock by approved participating lender.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。