THDA Great Choice

THDA Great Choice是面向Tennessee购房者的可免除贷款。 Tennessee Housing Development Agency's Great Choice Plus DPA provides up to $7,500 as a forgivable second mortgage to help cover down payment and closing costs. The loan is forgiven at the end of the 30-year term but must be repaid in full if the home is sold or refinanced before 30 years. Must be used with a THDA Great Choice first mortgage. Up to $7,500 forgivable second mortgage for down payment and closing costs. Fully forgiven at end of 30-year term. No monthly payments on DPA. 0% interest rate on second mortgage. Must be paired with THDA Great Choice first mortgage. Available statewide in all 95 Tennessee counties. Expanded limits in targeted census tracts. 资金来自State。

THDA Great Choice提供$7,500至$15,000的援助，具体取决于购房者符合的援助档次。 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。

THDA Great Choice在30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：Sale和Refinance。 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。

THDA Great Choice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：3+ years since last ownership; exceptions for targeted areas and disabled veterans。 该项目列出的最低信用分数为640。 须参加购房者教育课程。

THDA Great Choice将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 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。

THDA Great Choice将房价上限设为$400,000。 符合条件的房屋类型包括Single Family、Condo、Townhouse和New Construction。 新建房屋符合条件。

THDA Great Choice服务于在Tennessee任何地方购房的购房者。 该项目针对特定区域：THDA-designated targeted census tracts allow expanded income and purchase price limits and repeat homebuyers may qualify.

THDA Great Choice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First-Come-First-Served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。