WCDA Spruce Up Purchase and Rehabilitation Loan

WCDA Spruce Up Purchase and Rehabilitation Loan是面向Statewide，Wyoming购房者的第一抵押贷款，由Wyoming Community Development Authority (WCDA)管理。 Spruce Up is WCDA's single-close purchase-and-rehabilitation first mortgage that finances both the purchase and the renovation of a home in one loan, reducing closing costs versus separate construction or home-improvement financing. Five major components - plumbing, heating, electrical, roof, and structure - must be addressed first if deficient, with no minimum repair cost. Borrowers can layer the 0% Home$tretch DPA second mortgage for down payment and closing-cost help. Finances purchase + rehab in a single closing. Fewer closing costs than bridge/construction loans. No minimum repair cost requirement. Can pair with 0% Home$tretch DPA. FHA and USDA-RD financing accepted.

WCDA Spruce Up Purchase and Rehabilitation Loan是第一抵押贷款，按Wyoming Community Development Authority (WCDA)设定的条款偿还。 触发还款的情形：Repaid as a standard amortizing first mortgage. 该援助以First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。

WCDA Spruce Up Purchase and Rehabilitation 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：Veteran's Exception to the FTHB requirement may apply; targeted-area census tracts in Albany and Natrona counties may waive FTHB requirement. 须参加购房者教育课程，由Wyoming Housing Network, Inc. (whninc.org).提供。 Combined purchase price plus rehab costs must fit within the county purchase price limit. Single-family only; manufactured homes must meet FHA. First-mortgage rehab product that carries DPA (Home$tretch) eligibility.

WCDA Spruce Up Purchase and Rehabilitation Loan的收入限制如下：WCDA income and purchase price limits vary by product, family size, and county; posted at wyomingcda.com/purchase-price-income-limts. Total purchase price plus rehab cost must stay within the applicable county purchase price limit. 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。

WCDA Spruce Up Purchase and Rehabilitation Loan在其服务群体中提到了退伍军人、现役军人和预备役人员和国民警卫队成员。 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。

WCDA Spruce Up Purchase and Rehabilitation Loan服务于在Statewide，Wyoming购房的购房者。 该项目针对特定区域：Targeted-area census tracts in Albany and Natrona counties carry increased purchase price/income limits, and the FTHB requirement may not apply.

WCDA Spruce Up Purchase and Rehabilitation Loan的申请通过Wyoming Community Development Authority (WCDA)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Reserved through a WCDA participating lender.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。