MyHome Plus

MyHome Plus是面向Statewide，Texas购房者的可免除贷款。 MyHome Plus is SETH's lower-FICO statewide DPA option. Provides a 30-year fixed-rate first mortgage with up to 5% DPA as a 3-year forgivable second lien. Designed as an alternative to 5 Star for borrowers in the 620-639 FICO range. Available statewide except for HFC-restricted areas. Southeast Texas Housing Finance Corporation's (SETH) MyHome Plus program provides a 30-year fixed-rate first mortgage paired with up to 5% DPA structured as a 3-year forgivable second lien (0% interest, no monthly payments, forgiven after 3 years of owner occupancy). MyHome Plus has a slightly lower minimum FICO (620) than 5 Star (640) and similar income limits. No FTHB requirement. Stackable with MCC when offered. 资金来自SETH TBA execution / capital markets。

MyHome Plus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。

MyHome Plus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 all loan products。 须参加购房者教育课程，由HUD-approved homebuyer education required (online or in-person)提供。 居住要求：Property must be in Texas (excluding HFC-restricted areas) 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。 620 minimum FICO. Borrower must occupy as primary residence. 50% maximum DTI. No FTHB requirement. The 3-year forgiveness is contingent on continued owner occupancy. Program is available across most of Texas but excluded in certain HFC-restricted areas (City of El Paso, Grand Prairie, Travis County).

MyHome Plus将家庭收入限制在$181,950。 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。

MyHome Plus的房价上限如下：No SETH-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。

MyHome Plus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。

MyHome Plus服务于在Statewide，Texas购房的购房者。

MyHome Plus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 SETH online portal 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。