Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien是面向Statewide，Texas购房者的可免除贷款。 Home Sweet Texas Home is TSAHC's general-population (non-Heroes) statewide DPA program. It provides a 30-year fixed-rate first mortgage and up to 5% DPA as a 3-year deferred forgivable second lien. No FTHB requirement; income limits set by county. Borrowers choose between this 'Loan' / forgivable structure (lower-income tier) and the standalone Grant structure (higher-income tier). TSAHC's Home Sweet Texas Home Loan Program (HSTH) provides a 30-year fixed-rate first mortgage paired with down payment and closing-cost assistance up to 5% of the loan amount, structured as a 3-year deferred forgivable second lien. The DPA carries 0% interest, no monthly payments, and is fully forgiven after 3 years if the borrower retains the home as primary residence. No first-time-homebuyer requirement. Borrowers may also stack the Mortgage Credit Certificate (MCC) when offered. 资金来自TSAHC bond and TBA execution; TSAHC is a 501(c)(3) self-sustaining state-chartered organization。

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien在3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 after 3 years of continuous owner occupancy和due upon sale, refinance, payoff, or non-occupancy within the 3-year period。 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。

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien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：620 minimum FICO for FHA/VA/USDA; 640 for HFA-preferred conventional。 须参加购房者教育课程，由TSAHC-approved homebuyer education required - online course provided through Texas Homebuyer U / TSAHC partner CHCs (Frameworks-style course)提供。 居住要求：Property must be in Texas and occupied as primary residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen per agency loan-product guidelines。 Open to all qualifying buyers (no occupation restriction). 620 minimum FICO for Government loans, 640 for Conventional. Borrower must occupy property as primary residence. The 3-year forgiveness is pro-rata-style: full balance forgiven if borrower lives in home for 3 years; if home is sold or refinanced earlier, the DPA must be repaid. No purchase price limit imposed by TSAHC (subject to agency limits).

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien将家庭收入限制在$201,460。 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。

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien的房价上限如下：No TSAHC-imposed sales-price cap (subject to FHA/VA/USDA county loan limits and conforming conventional limits)。 符合条件的房屋类型包括Single-family detached, townhomes, condos meeting agency approval, eligible PUDs, eligible manufactured homes。 新建房屋符合条件。 预制房屋符合条件。

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien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、遗属配偶、美洲印第安人和阿拉斯加原住民购房者、教育工作者、执法人员、消防员、医护人员和残障购房者。 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。

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien服务于在Statewide，Texas购房的购房者。

Home Sweet Texas Home Loan Program - 3-Year Deferred Forgivable 2nd Lien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Lenders reserve via TSAHC's online lender portal (Lender Online) on first-come, first-served basis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。