HomeChoice Program

HomeChoice Program是面向Logan|Brigham City|Tremonton，Utah购房者的延期第二贷款。 NNHC's HomeChoice Program is a deferred-payment, partially-forgivable second-mortgage DPA for low-to-moderate income (<=80% AMI) first-time homebuyers in NNHC's Northern Utah service area (Cache, Box Elder, Rich Counties). Funded through HOME and other federal sources. Up to ~$30,000 in DPA; 5-year affordability period typical. Deferred-payment second-mortgage DPA up to $30,000 for low-to-moderate income (<=80% AMI) first-time homebuyers in NNHC's Northern Utah service area. Funds usable for down payment and closing costs. Affordability period typically 5 years with proportional forgiveness. 资金来自Local、HOME和CDBG。

HomeChoice Program在5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：Due on sale, refinance, or non-occupancy during 5-year affordability period和proportional forgiveness over the term。 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。

HomeChoice Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Per first-mortgage lender (typically 620+); NNHC does not impose separate floor。 须参加购房者教育课程，由NNHC HUD-approved homebuyer education required (HUD-certified counselor on staff); nnhcorp.org提供。 居住要求：Property must be in NNHC service area (Cache, Box Elder, Rich Counties)。 公民身份或移民身份：Per HOME eligible-status rules。 First-time homebuyer (no primary-residence ownership in last 3 years). Household income at or below 80% AMI for service area; income range $18,350-$124,950 by household size. Property must be in NNHC service area (Cache, Box Elder, Rich Counties). Minimum $1,000 borrower contribution. Must complete NNHC homebuyer education. 5-year affordability period typical; proportional payback if home sold during period.

HomeChoice Program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。 Up to 80% AMI for NNHC service area; $18,350 (1-person, low) to $124,950 (8-person household, high) per HUD income limits. 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。

HomeChoice Program的房价上限如下：Per HOME-program purchase price limit for service area。 符合条件的房屋类型包括Single-family detached, townhouse, condominium, PUD。 新建房屋符合条件。 预制房屋符合条件。

HomeChoice Program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。

HomeChoice Program服务于在Logan|Brigham City|Tremonton，Utah购房的购房者。 该项目针对特定区域：Cache, Box Elder, and Rich Counties (Northern Utah)。

HomeChoice Program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Borrower applies through NNHC; reservation upon eligibility approval.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。