FHA/VA Mortgage

FHA/VA Mortgage是面向Statewide，Utah购房者的补助金。 UHC's FHA/VA Mortgage is a 30-year fixed-rate FHA or VA first mortgage paired with a 30-year amortizing UHC DPA second mortgage of up to 6% of first-mortgage amount. Available statewide in Utah with no first-time-homebuyer requirement, $162,500 household income cap, and 620 minimum FICO. The combined product covers down payment, closing costs, and prepaid items. 30-year fixed-rate FHA or VA first mortgage paired with a UHC DPA second mortgage of up to 6% of the first-mortgage amount (covers down payment, closing costs, and prepaids). Statewide Utah availability. No first-time-homebuyer requirement. Income limit $162,500 statewide. Minimum 620 FICO. Borrower may keep entire UHC DPA second proceeds toward DAP/closing cost/prepaids. second is a 30-year amortizing lien at first-mortgage rate +2%. 资金来自State、HFA和Bond。

FHA/VA Mortgage属于补助金，因此无需偿还。 触发还款的情形：Monthly amortizing payments alongside primary mortgage over 30 years和balance due at sale, refinance, or non-occupancy。 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。

FHA/VA Mortgage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：Minimum 620 FICO。 须参加购房者教育课程，由UHC requires homebuyer education through approved providers (Utah State University Extension PowerPay, Framework Online, eHomeAmerica, NeighborWorks counseling, AAA Fair Credit Foundation, etc.)提供。 居住要求：Property must be in Utah and used as primary residence。 公民身份或移民身份：U.S. citizen or qualifying permanent/non-permanent resident alien per FHA/VA overlays。 Borrower household income at or below $162,500 (statewide single tier on this product). Minimum 620 FICO. Property must be primary residence in Utah. Standard FHA or VA underwriting overlays. Must complete UHC-approved homebuyer education prior to closing. Borrower contribution per FHA/VA program rules ($0 minimum if VA full-entitlement; FHA requires 3.5% min investment which can be met by UHC DPA second).

FHA/VA Mortgage将家庭收入限制在$162,500。 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。

FHA/VA Mortgage的房价上限如下：No separate UHC purchase price cap on FHA/VA product; FHA county loan limits and VA full-entitlement caps apply. 符合条件的房屋类型包括Single-family detached, condominium (FHA/VA-approved), townhouse, PUD, manufactured (per FHA/VA)。 新建房屋符合条件。 预制房屋符合条件。

FHA/VA Mortgage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。

FHA/VA Mortgage服务于在Statewide，Utah购房的购房者。 该项目针对特定区域：UHC designates federally qualified target areas with relaxed FTHB and income limits; see UHC Lender Online for current target-area census tracts.

FHA/VA Mortgage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Loan officer reserves funds via UHC Lender Online portal at time of loan locking; subject to bond/program funding availability.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。