HomeSight WA State Loan

HomeSight WA State Loan是面向Washington购房者的延期第二贷款。 HomeSight WA State Loan is the statewide HTF-funded purchase-assistance product administered by HomeSight, with deferred-payment terms tailored to lower-income buyers across Washington. Statewide deferred-payment second-mortgage purchase assistance funded through WA State Department of Commerce Housing Trust Fund, available to lower-income first-time homebuyers (typically up to 80% AMI) anywhere in Washington. Up to ~$60,000 (loan amount need-based). 资金来自WA State Department of Commerce Housing Trust Fund (HTF) administered by HomeSight。

HomeSight WA State Loan为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale, transfer, cash-out refi, end of term, loss of owner-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。

HomeSight WA State Loan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：Displaced homemakers, single parents, disaster-displaced。 关于信用，该项目说明：Minimum middle FICO 620 (subject to first-mortgage overlays)。 须参加购房者教育课程，由HomeSight Homebuyer Education; HUD-approved agencies; eHomeAmerica (hswa)提供。 居住要求：Owner-occupied primary residence; property anywhere in Washington State。 公民身份或移民身份：U.S. citizen or qualified alien。 First-time homebuyer (no ownership in past 3 years); owner-occupied primary residence; complete HomeSight homebuyer education + 1:1 counseling; minimum borrower contribution. Income generally ranges $47,250 (1-person low end) to $126,400 (8-person high end) depending on county AMI and tier.

HomeSight WA State Loan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。 WA State HTF income limits typically 80% HUD AMI by county; statewide range approximately $47,250-$126,400 across counties and household sizes. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

HomeSight WA State Loan的房价上限如下：Subject to WA State HTF program guidelines and first-mortgage product limits。 符合条件的房屋类型包括SFR, townhome, warrantable condo, 2-4 unit owner-occupied。 新建房屋符合条件。 预制房屋符合条件。

HomeSight WA State Loan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。

HomeSight WA State Loan服务于在Washington任何地方购房的购房者。

HomeSight WA State Loan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HomeSight Homebuyer Portal; first-come, first-served subject to HTF allocation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。