Hampton Roads Loan Fund Partnership (HRLFP)

Hampton Roads Loan Fund Partnership (HRLFP)是面向Regional，Virginia购房者的延期第二贷款。 HRLFP is a regional HOME-funded loan partnership administered by HRPDC providing forgivable DPA to first-time homebuyers across participating Hampton Roads jurisdictions. Hampton Roads Loan Fund Partnership (HRLFP) is a HOME consortium-style program providing up to $20,000 in down payment and closing cost assistance to first-time homebuyers across participating Hampton Roads jurisdictions. Assistance is a 0% interest deferred second mortgage forgiven over the 5-year HOME affordability period. 资金来自HUD HOME Investment Partnerships Program (regional consortium)。

Hampton Roads Loan Fund Partnership (HRLFP)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：Sale, transfer, refinance with cash-out, or loss of owner-occupancy during affordability period和pro-rata forgiveness over 5 years。 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。

Hampton Roads Loan Fund Partnership (HRLFP)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Standard HUD HOME first-time homebuyer exceptions (displaced homemaker, single parent)。 关于信用，该项目说明：No published HRPDC minimum; lender/product overlay applies。 须参加购房者教育课程，由HUD-approved homebuyer education provider; pre-purchase counseling required提供。 居住要求：Must occupy as primary residence; property in participating HRLFP jurisdiction。 公民身份或移民身份：U.S. citizen or qualified alien per HUD HOME。 Property must be in a participating HRLFP jurisdiction (rotating set of Hampton Roads localities). Borrower must be first-time homebuyer and at or below 80% AMI for the VA Beach-Norfolk-Newport News HUD MSA. Minimum $1,000 buyer contribution. HUD HQS inspection. Pre-purchase counseling required.

Hampton Roads Loan Fund Partnership (HRLFP)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。 80% AMI for VA Beach-Norfolk-Newport News HUD MSA; $56,400 (1-person) to $106,350 (8-person) for 2024. 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。

Hampton Roads Loan Fund Partnership (HRLFP)的房价上限如下：HUD HOME max after-rehab value (HUD 203(b) Norfolk-VA Beach limit)。 符合条件的房屋类型包括Single-family detached, townhomes, condos (must meet HUD HQS)。 新建房屋符合条件。 预制房屋不符合条件。

Hampton Roads Loan Fund Partnership (HRLFP)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。

Hampton Roads Loan Fund Partnership (HRLFP)服务于在Regional，Virginia购房的购房者。

Hampton Roads Loan Fund Partnership (HRLFP)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First-come, first-served subject to available HOME funds via HRPDC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。