Clinch-Powell Shift to Ownership - Second Shift Loan & DPA

Clinch-Powell Shift to Ownership - Second Shift Loan & DPA是面向Newport，Tennessee购房者的延期第二贷款，由Clinch-Powell RC&D Council管理。 The SHIFT to Ownership program helps renting households transition into homeownership through a structured pathway in as little as 6 months. Includes a SHIFT Rent Until You Own path and a direct SHIFT to Ownership path. Affordable financing includes a Second Shift 0% interest, $0-payment deferred second mortgage, special down payment assistance, affordable gap loans, and shared appreciation loans. Participants receive dedicated coaching and counseling. Currently available in Cocke County TN with expansion planned. 0% interest $0-payment Second Shift deferred loan. Special DPA and gap financing. Dedicated housing coach. Rent-to-own pathway option. Available to renters with limited credit history. 资金来自Clinch-Powell RC&D / CDFI / philanthropic / HOME / SHIFT partner network。

Clinch-Powell Shift to Ownership - Second Shift Loan & DPA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：Due on sale of home; $0 monthly payment during ownership。 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。

Clinch-Powell Shift to Ownership - Second Shift Loan & DPA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：Borrower works through SHIFT coaching program to achieve mortgage readiness。 须参加购房者教育课程，由Clinch-Powell RC&D SHIFT coaching and counseling program (6-24 month pathway to mortgage readiness)提供。 居住要求：Currently available in Cocke County TN; coming soon to surrounding East TN counties。

Clinch-Powell Shift to Ownership - Second Shift Loan & DPA的收入限制如下：Low-to-moderate income households; stable income and ability to pay fair rent required as entry criteria; contact Clinch-Powell for income thresholds。 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。

Clinch-Powell Shift to Ownership - Second Shift Loan & DPA的房价上限如下：Clinch-Powell Shift program homes or other properties in service area。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Clinch-Powell Shift to Ownership - Second Shift Loan & DPA服务于在Newport，Tennessee购房的购房者。 该项目针对特定区域：Currently Cocke County TN (Newport); expansion to surrounding East TN counties anticipated。

Clinch-Powell Shift to Ownership - Second Shift Loan & DPA的申请通过Clinch-Powell RC&D Council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Apply through Clinch-Powell Shift office in Newport TN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。