Homeward Norfolk Program

Homeward Norfolk Program是面向Norfolk，Virginia购房者的延期第二贷款。 DUPLICATE LISTING: NRHA-administered processing partner version of the City of Norfolk's Homeward Norfolk Program. Two PDF source entries exist for the same underlying program with slight variance in upper income bound ($156,800 vs $156,850). Both kept for source fidelity. Homeward Norfolk Program (NRHA listing) provides up to $40,000 in down payment and closing cost assistance to first-time homebuyers purchasing in the City of Norfolk, tiered for households up to 120% AMI. Structured as a 0% deferred-payment forgivable second-lien loan over a 5-year affordability period. NRHA is the program's processing partner for the City of Norfolk. 资金来自City of Norfolk general fund / local housing trust / federal stimulus (ARPA), processed by NRHA。

Homeward Norfolk 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：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。

Homeward Norfolk Program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：First-time homebuyer required (no ownership in past 3 years); standard exceptions。 关于信用，该项目说明：No published NRHA minimum; first-mortgage lender overlay typically 620-640。 须参加购房者教育课程，由NRHA Homeownership Center / HUD-approved homebuyer education; 8-hour pre-purchase course required提供。 居住要求：Must occupy as primary residence; property in Norfolk。 公民身份或移民身份：U.S. citizen or qualified alien。 DUPLICATE: This is the NRHA-listed entry for the same Homeward Norfolk Program also listed under City of Norfolk - kept for source fidelity from the original PDF source. Property must be in Norfolk; income up to 120% AMI ($55,450 - $156,850 - note slightly higher upper bound vs. City listing due to PDF rounding); 8-hour HUD-approved homebuyer education required; minimum $1,000 buyer contribution.

Homeward Norfolk Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Tiered AMI up to 120% AMI for VA Beach-Norfolk-Newport News HUD MSA. Range $55,450 (1-person) to $156,850 (8-person). NOTE: this entry shows $156,850 upper bound vs. $156,800 on City of Norfolk listing - reflects PDF source variance. 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。

Homeward Norfolk Program的房价上限如下：City-set affordable purchase price limit。 符合条件的房屋类型包括Single-family detached, townhomes, condos。 新建房屋符合条件。 预制房屋不符合条件。

Homeward Norfolk 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。

Homeward Norfolk Program服务于在Norfolk，Virginia购房的购房者。 该项目针对特定区域：Priority neighborhoods may receive higher assistance。

Homeward Norfolk 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First-come, first-served via NRHA Homeownership Center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。