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Program Overview

 

1-4单元住房的第一抵押贷款和首付援助

Buying a home is a daunting process, 和亚博2021最新版网址知道,确保抵押贷款和提供住房首付是一个巨大的障碍,需要克服. 这就是为什么我们在这里帮助你拥有你的新奥尔良通过提供第一抵押贷款和首付援助选项,以满足你的需要.

无论你是第一次买房还是有购房经验的人想买新房, 第一次抵押贷款和首付减免永远不会离我们太远.

Program Benefits

  • 存钱,这将帮助你有资格获得第一次抵押贷款.
  • 保留可以用于其他家庭需要的储蓄, like purchasing appliances or buying furniture.
  • Start with more equity in the home.

 

 


Down Payment Assistance

WHAT IS IT?

This product is a 30-year VA, FHA, 房利美和房地美是第一笔零利率抵押贷款, 可原谅的第二抵押贷款(相当于你批准的房屋贷款的2-5%)来帮助你的首付.

 

HOW DOES IT WORK?

Once you qualify for a first mortgage, you’ll receive a sum of money that will be forgiven, 但是你必须在这个家里住至少3年.

 

 


Eligibility & Terms

 

Qualifications

Who:

  • Individuals or families 
  • Household income below $99,000
  • Credit score above 660
  • Total debt load less than 45% of income
  • Earn Homebuyer Education Class Certificate
  • 有资格与参与贷款人第一次抵押贷款

 

Where / what:

  • Orleans Parish
  • 1 to 4 unit primary residence
  • Move-in ready home

 

Program Terms

回顾下面的选择,以确定最佳的第一按揭和首付援助方案,适合你的需要和资格.

  • Step 1
  • First Mortgage Options

  • Select one Mortgage Option

FHA FREDDIE MAC FANNIE MAE VA
Loan Terms 30 Years 30 years 30 years 30 years
Total Debt-to-Income Less than 45%, or 50% with 680+ credit score Less than 45%, or 50% with 680+ credit score Less than 45%, or 50% with 680+ credit score Less than 45%, or 50% with 680+ credit score
Maximum Units 2 1 4 2
Loan Limits $356,362 (single) $456,276 (duplex) $551,500 (triplex) $685,400 (four-plex) 具体的贷款限额见房地美指南. 具体的贷款限额见房利美指导方针. $548,250 See VA guidelines for your specific loan limits.
Max Income $99,000 按照房利美对你家庭状况的指导方针 No limit
Minimum Credit Score 660 660 660 660
Parish Eligibility Orleans Orleans Orleans Orleans
Homebuyer Education & Training First Time Homebuyers & Landlord Training First Time Homebuyers only First Time Homebuyers & Landlord Training First Time Homebuyers & Landlord Training
  • Step 2
  • Down Payment Assistance

DOWN PAYMENT
Assistance % 2-5% (of First Mortgage Amount)
Interest Rate None
Repayment Terms Must remain in home for 3 years
Forgivable Yes

All properties must be move-in ready.
Borrower can only select one 1st mortgage option.
按照联邦住房管理局的最高贷款限额来规定最高贷款金额. VA first loan limits also apply.

 

 


Resources & FAQs

 

Participating Lenders

In order to qualify for the program benefits, 购房者需要在我们参与的任何一个贷款人申请抵押贷款.

下载已批准的参与贷方名单
Updated: 05/25/2021

Program FAQs

What is The Green Mortgage Program?
The Green Mortgage Program 为想在新奥尔良买房的合格买家提供首付援助. 购房者可以选择首付援助的形式,可豁免贷款的2-5%的首次抵押贷款. If you receive the forgivable loan, 你必须在房子里呆3年的第二次抵押贷款被完全原谅.

 

How do I apply?
融资新奥尔良的抵押贷款是通过我们的参与贷款人发起的. 如果你和这些贷方之一有银行关系, 你可以选择与他们一起工作,或者从我们的列表中选择另一个. 贷方将能够在你需要提供的财务文件和你将符合的贷款产品类型方面指导你. 如果你是第一次买房,你还必须完成一个 homebuyer education and training course.  课程可以在线学习,也可以与eHome America和参与培训组织一起亲自学习.

 

What is the minimum required credit score?
联邦住房管理局、房利美、房地美和退伍军人管理局贷款的最低要求是660分.

 

What are the income requirements?
无论家庭规模大小,联邦住房管理局和退伍军人管理局的收入限额都是99,000美元. Income limits for Fannie Mae are family specific.

 

什么样的房子我可以用首付援助来购买?
房子必须作为你的主要住所,但住房的类型取决于你选择的贷款产品. 你可以购买1至4个单位(独立或附加), condos or townhomes under the FHA, VA, and Fannie Mae loan products. 然而,在房地美贷款产品下,你只能购买一套住房. Manufactured housing, mobile, recreational, 季节性或其他类型的假期或非永久住宅是不允许的.

 

Can I buy a fixer-upper?
只有准备好入住的房子才有资格获得贷款 The Green Mortgage Program.

 

我可以买一间双人间,然后把房子的一边租出去吗?
Yes. If you choose a FHA or VA loan, 只要你住在一个地方作为你的主要居所,你就可以买一间双倍的房子. 房利美贷款允许购买最多四个单元的住房,只要你把其中一个单元作为你的主要居所.

 

Do I have to be a first-time homebuyer?
You do not have to be a first-time homebuyer. 然而,对于房地美贷款产品,在关闭时你不能拥有其他财产.

 

Do I have to complete homebuyer training?
如果你是第一次买房,你必须完成 homebuyer training. 课程可以通过eHome America与参与购房者培训组织一起在线学习,也可以亲自参加他们在当地的课程. The course must be completed prior to loan closing.

 

What are the terms of the 1st mortgage?
第一抵押贷款是30年,固定利率,分期偿还贷款与360水平每月支付. 利率视乎现时市场情况而定,并每日变动. Follow FHA Maximum loan limits for maximum loan amounts. VA first loan limits also apply.

 

What are the terms of the down payment assistance?
首付援助是一种为期3年的延期贷款,如果借款人没有违约,并在3年期间居住在住宅作为他们的主要居所,每年可减免1/3的利率.

 

我如何使用首期资助的资金?
The proceeds may be used for down payment, closing costs, prepaid, 预付私人抵押贷款保险和其他相关项目和抵押贷款费用. 第二抵押所得不得用于偿还债务.

*所有这些问题都遵循当前的指导方针.

关于绿色抵押贷款计划的问题或意见?

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