第一个 mortgage and down payment assistance for 1-4 unit homes
买房是一个令人畏缩的过程, and 十大担保评级网 knows that securing a mortgage and supplying a down payment on a home is a huge obstacle to overcome. That’s why we’re here to help you own your piece of New 奥尔良 by providing a first mortgage paired with down payment assistance options to suit your needs.
Whether you’re a first-time homebuyer or an experienced homeowner looking to buy a new home, a first mortgage and down payment relief are never far away.
计划的好处
- Save money that will help you qualify for the first mortgage.
- Keep savings that can be used for other household needs, 比如买电器或家具.
- 从增加房屋权益开始.
首付援助
它是什么?
这个产品是30年的VA, 联邦住房管理局, Fannie Mae or Freddie Mac first mortgage with a zero-interest, forgivable second mortgage (equaling 2-5% of your approved home loan) to help with your down payment.
它是如何工作的?
一旦你有资格申请第一次抵押贷款, you’ll receive a sum of money that will be forgiven, but you must remain in the home for at least 3 years.
资格 & 条款
资格
人:
- 个人或家庭
- 家庭收入低于99,000美元
- 信用评分660以上
- 总债务负担低于收入的45%
- 获得购房者教育课程证书
- Qualify for first mortgage with participating lender
/:
程序方面
Review the choices below to determine the best first mortgage and down payment assistance option that suits your needs and eligibility.
资源 & 常见问题
参与银行
以便有资格享受项目福利, homebuyers are required to apply for a mortgage at any one of our participating lenders.
更新:05/25/2021
项目常见问题
是什么 绿色抵押贷款计划?
的 绿色贷款项目 offers a first mortgage down payment assistance to qualified buyers who want to own a home in New 奥尔良. 购房者 can choose the down payment assistance in the form of a forgivable loan at 2-5% of the first mortgage. 如果你收到了可原谅的贷款, you must remain in the house for 3 years for the second mortgage to be fully forgiven.
如何申请?
十大担保评级网’s mortgages are originated through our 参与银行. If you have a banking relationship with one of these lenders, you may choose to work with them or select another from our list. 的 lender will be able to guide you on the financial documentation you need to provide and the type of loan product that you would qualify for. If you are a first-time homebuyer, you must also complete a 置业者教育及培训课程. 的 course may be taken on-line or in-person in conjunction with eHome America and the Participating 培训 Organizations.
最低信用评分要求是多少?
的 minimum required score is 660 for 联邦住房管理局, Fannie Mae, Freddie Mac, and VA loans.
入息要求是什么?
的 income limit is $99,000 regardless of household size for 联邦住房管理局 and VA. 房利美的收入限制是针对家庭的.
What kind of home can I use the down payment assistance to purchase?
的 home must be used as your primary residence but the type of home varies based on the loan product you choose. You may purchase a 1 to 4 units (detached or attached), 共管公寓或联排别墅, VA, 以及房利美贷款产品. However, you may only purchase a 1-unit home under Freddie Mac’s loan product. 预制房屋, 移动, 休闲, seasonal or other types of vacation or non-permanent homes are not permitted.
我可以买一个需要修补的房子吗?
Only homes that are move-in ready are eligible for financing in 绿色抵押贷款计划.
Can I buy a double and rent out one side of the home?
是的. 如果你选择联邦住房管理局或弗吉尼亚州贷款, you may purchase a double as long as you live in one side as your primary residence. Fannie Mae loans allow the purchase of homes up to four units as long as you reside in one unit as your primary residence.
我必须是第一次买房吗?
你不必是首次购房者. However, for the Freddie Mac loan product, you cannot own other property at the time of closing.
我必须完成购房者培训吗?
If you are a first-time homebuyer, you must complete 购房的培训. 的 course may be taken on-line through eHome America in conjunction with the Participating Homebuyer 培训 Organizations or in-person at one of their local classes. 课程必须在贷款结束前完成.
第一次抵押贷款的条款是什么?
的 first mortgage is a 30-year, fixed rate, amortizing loan with 360 level monthly payments. 的 interest rate is subject to current market conditions and changes daily. 遵循 联邦住房管理局最大 贷款限额为最高贷款金额. VA的首次贷款限额也适用.
首期资助的条款是什么?
Down payment assistance is offered as a 3-year deferred loan that is forgiven at the rate of 1/3 per year provided that the borrower is not in default and resides in the home as their primary residence for the duration of the 3-year period.
How may I use funds from the down payment assistance?
所得价款可以用于首付, 关闭成本, 预付, upfront private mortgage insurance and other related program and mortgage loan fees and expenses. 的 second mortgage proceeds may not be used to pay off debt.
*All of these questions are subject to current guidelines.
Questions or Comments on the 绿色贷款项目?
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