WCDA Standard First-Time Homebuyer Product

WCDA Standard First-Time Homebuyer Product是面向Statewide，Wyoming购房者的第一抵押贷款，由Wyoming Community Development Authority (WCDA)管理。 WCDA's flagship Standard First-Time Homebuyer Product is a 30-year fixed-rate FHA, VA, or RD first mortgage funded by tax-exempt mortgage revenue bonds, offering below-market interest rates to first-time homebuyers in Wyoming. Borrowers must have had no ownership interest in a principal residence in the past 3 years (with a Veteran's Exception), meet county/family-size income and purchase-price limits, and occupy the home as a principal residence. The product may be paired with the Home$tretch 0% down payment assistance loan and may be subject to federal recapture tax (with WCDA reimbursement available). Below-market fixed rate from mortgage revenue bonds. Can pair with Home$tretch 0% DPA. Military Preference reduced rate. Home Again reduced rate on WCDA REO. Veteran's Exception to FTHB requirement. Recapture tax reimbursement available. 资金来自Tax-exempt mortgage revenue bond (MRB) proceeds。

WCDA Standard First-Time Homebuyer Product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：Repayment of first mortgage required if all or part of the property is sold or transferred to a party not already obligated on the note。 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 Standard First-Time Homebuyer Product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: honorably discharged veterans are exempt from the FTHB requirement; FTHB requirement may not apply in designated targeted census tracts (Albany and Natrona counties)。 关于信用，该项目说明：620 middle credit score required when utilizing an Authority DPA loan product; otherwise follow insurer/guarantor guidelines。 须参加购房者教育课程，由Wyoming Housing Network, Inc. (online class plus one-on-one counseling); required for at least one FTHB提供。 居住要求：Property must be in Wyoming。 First-time homebuyer required (no principal-residence ownership in last 3 years) unless qualifying for Veteran's Exception or buying in a targeted census tract. Homebuyer education required for at least one borrower. Owner-occupancy within 60 days. Gaps: exact annual funding cap not published; min credit score and 45% DTI cap apply specifically when a WCDA DPA loan is used.

WCDA Standard First-Time Homebuyer Product将家庭收入限制在$114,195。 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。

WCDA Standard First-Time Homebuyer Product将房价上限设为$544,232。 符合条件的房屋类型包括Single Family、PUD、Condo、Townhome、Twin home和Manufactured。 预制房屋符合条件。

WCDA Standard First-Time Homebuyer Product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 Standard First-Time Homebuyer Product服务于在Statewide，Wyoming购房的购房者。

WCDA Standard First-Time Homebuyer Product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/originated through WCDA participating lenders; current rates and rate-lock periods posted on WCDA website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。