HFA Advantage

HFA Advantage是面向Statewide，Utah购房者的补助金。 UHC HFA Advantage is a Freddie Mac HFA Advantage 30-year fixed conventional first mortgage with reduced mortgage insurance, paired with a UHC DPA second mortgage of up to 6%. Designed for low-to-moderate income (<=80% AMI) borrowers statewide; no FTHB requirement; minimum 680 FICO. Freddie Mac HFA Advantage 30-year fixed conventional first mortgage with reduced mortgage insurance, paired with UHC DPA second mortgage of up to 6% of first-mortgage amount. No first-time homebuyer requirement. Statewide Utah availability. Income limit county-tiered ($80,080 to $134,880, 80% AMI). Minimum 680 FICO. Reduced MI charter coverage on conventional loan reduces monthly payment vs. standard conventional. 资金来自State和HFA。

HFA Advantage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。

HFA Advantage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 680 FICO。 须参加购房者教育课程，由UHC-approved homebuyer education providers (Framework, eHomeAmerica, NeighborWorks Salt Lake, AAA Fair Credit Foundation, USU Extension PowerPay)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。 Household income at or below 80% AMI county-tiered limit ($80,080 rural to $134,880 urban). Minimum 680 FICO. Must be primary residence. Standard Freddie Mac HFA Advantage underwriting (Loan Product Advisor). Must complete UHC-approved homebuyer education. No FTHB requirement.

HFA Advantage将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 County-tiered at 80% Area Median Income: $80,080 (rural counties) to $134,880 (Salt Lake/Davis/Summit/Utah/Wasatch/Weber/Morgan/Tooele). See UHC chart. 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。

HFA Advantage的房价上限如下：No specific purchase-price cap on HFA Advantage; conforming conventional loan limits apply. 符合条件的房屋类型包括Single-family detached, condominium (Freddie-warrantable), townhouse, PUD, manufactured (per Freddie Mac)。 新建房屋符合条件。 预制房屋符合条件。

HFA Advantage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。

HFA Advantage服务于在Statewide，Utah购房的购房者。

HFA Advantage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.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。