Freddie Mac HFA Advantage - Deferred

Freddie Mac HFA Advantage - Deferred是面向Statewide，Tennessee购房者的延期第二贷款。 THDA's 4% conventional DPA paired with Freddie Mac HFA Advantage first mortgage; structured as a deferred 0% second mortgage with no monthly payment. Balance due at sale/refi/payoff. Statewide. 640 FICO, 45% DTI, $400K max purchase, county/HH-sized income limits ($60,160-$89,760). THDA's Freddie Mac HFA Advantage DPA - Deferred variant - provides 4% of the home's sales price as a second mortgage paired with a THDA Freddie Mac HFA Advantage conventional first mortgage. The DPA second carries 0% interest with NO monthly payments. The full principal balance is deferred and due in a balloon at the earlier of (a) sale, (b) refinance, (c) payoff of the first mortgage, (d) cease of owner-occupancy, or (e) end of the first mortgage term (typically 30 years). Funds may be applied to down payment and/or closing costs. Ideal for borrowers wanting to maximize monthly cash flow. 资金来自State、Bond和HFA。

Freddie Mac HFA Advantage - Deferred提供最高$15,000的援助。 购房者自付部分：Conventional 3% borrower contribution typical per HFA Advantage rules. 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管理该项目的机构决定。

Freddie Mac HFA Advantage - Deferred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：Full principal balance due at the earliest of: sale, refinance, payoff of first mortgage, cessation of owner-occupancy, or end of first mortgage term (typically 30 years). No monthly payments. 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。

Freddie Mac HFA Advantage - Deferred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：FTHB requirement waived in federally designated targeted counties/census tracts. 关于信用，该项目说明：640 minimum FICO. 须参加购房者教育课程，由THDA-approved homebuyer education required prior to closing. Online via eHome America or in-person via HUD-approved housing counseling agencies. Certificate required at closing.提供。 居住要求：Property in Tennessee, primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien. Borrower must obtain a THDA Freddie Mac HFA Advantage first mortgage (conventional). First-time homebuyer required, except in federally designated targeted areas. Minimum 640 FICO. Maximum 45% DTI per AUS. Owner-occupied primary residence in Tennessee. Income within THDA HFA Advantage limits ($60,160-$89,760 by county/HH size). Max acquisition cost $400,000 statewide. THDA-approved homebuyer education required. Recorded second mortgage; full balance due on sale, refi, payoff, or non-occupancy.

Freddie Mac HFA Advantage - Deferred将家庭收入限制在$89,760。 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。

Freddie Mac HFA Advantage - Deferred将房价上限设为$400,000。 符合条件的房屋类型包括Single-family detached, condominium (Freddie-eligible), townhouse, PUD, manufactured home (per Freddie HFA Advantage). 1-unit only. 新建房屋符合条件。 预制房屋符合条件。

Freddie Mac HFA Advantage - Deferred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。

Freddie Mac HFA Advantage - Deferred服务于在Statewide，Tennessee购房的购房者。 该项目针对特定区域：Federally designated targeted counties/census tracts where FTHB requirement is waived.

Freddie Mac HFA Advantage - Deferred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THDA Lender Online portal; reserved by approved Originating Agent at time of lock.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。