Puget Sound Revolving Loan Fund

Puget Sound Revolving Loan Fund是面向King|Snohomish|Pierce县，Washington购房者的延期第二贷款。 HomeSight Puget Sound Revolving Loan Fund (PSRLF) is HomeSight's umbrella revolving fund providing tiered-rate second-mortgage purchase assistance to first-time homebuyers in King, Snohomish, and Pierce counties. HomeSight's flagship Puget Sound Revolving Loan Fund providing up to $70,000 in second-mortgage purchase assistance for first-time homebuyers across the Puget Sound region (King, Snohomish, Pierce counties). Tiered interest 1.5%-2.0% above first-mortgage rate. 资金来自HomeSight PSRLF (CDFI Fund, JPMorgan Chase, Seattle Foundation, City of Seattle OH, private foundations, recycled program income)。

Puget Sound Revolving Loan Fund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, term end, 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。

Puget Sound Revolving Loan Fund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 640。 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; property in Puget Sound region (King, Snohomish, Pierce)。 公民身份或移民身份：U.S. citizen or qualified alien。 First-time homebuyer (no ownership last 3 years); HomeSight education + 1:1 counseling required; minimum buyer contribution; income up to 120% Seattle-Bellevue HMFA AMI (~$126,600 1-person to $180,850 8-person).

Puget Sound Revolving Loan Fund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。 120% HUD AMI for Seattle-Bellevue HMFA; approximately $126,600 (1-person) to $180,850 (8-person) per 2024 HUD. 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。

Puget Sound Revolving Loan Fund的房价上限如下：Per first-mortgage product limits and HomeSight underwriting。 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。 预制房屋不符合条件。

Puget Sound Revolving Loan Fund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。

Puget Sound Revolving Loan Fund服务于在King|Snohomish|Pierce县，Washington购房的购房者。 该项目针对特定区域：Black Home Initiative target area: South Seattle, South King County, North Pierce County。

Puget Sound Revolving Loan Fund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。