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购房者的激励措施

有一个问题? 看看我们是否有下面的答案.

在使用这些项目之前,我必须具备抵押贷款的资格吗?

是的, you must qualify for a mortgage with an Invest Atlanta Participating Lender. Your Participating Lender will advise you which Invest Atlanta incentives work best for you.

资格预审是什么?

抵押资格预审不是贷款协议. It’s simply an estimate of how much you can afford to borrow based on the information you provide. This will give you a clearer sense of an appropriate price range for your home.

获取资格预审, a Participating Lender will ask you for basic financial information about your income, 债务, 储蓄, 信贷, 和资产. 通常, the Participating Lender will need to pull your 信贷 score to provide a prequalification letter.

Is my 信贷 score going to affect my ability to participate in these programs?

是的. You must have a 信贷 score that meets Invest Atlanta program guidelines and is acceptable to Participating 银行. Please talk with a Participating Lender during the prequalification process to understand 信贷 score requirements.

有收入限制吗?

是的. Your household income must fall under the maximum income limits for the program utilized. Please check the website for current income thresholds by family size.

如果我使用这些程序,我可以在哪里买房子?

Qualifying homes purchased using Invest Atlanta down payment incentives must be located within the city limits of Atlanta. 要确定该属性是否位于亚特兰大市,请单击 在这里.

我可以买什么样的房子呢?

Most Invest Atlanta Homebuyer 激励 allow the purchase of a single family home, 公寓, 联排别墅和2-4个单位. AAHOP不允许2-4个单位. 人造房屋不符合条件.

我必须是首次购房者才能参加吗?

No, however you cannot own interest in any property when closing with Invest Atlanta incentives.

这些项目的最高收入限额由家庭成员制定. 谁算家庭成员?

A household member is any individual you indicate at the time of application will live in the home you purchase.

你是计算税前还是税后的收入?

Income is calculated based on gross earnings, which is before taxes are deducted.

如何计算我的收入以符合激励措施?

W-2 Income: The year-to-date gross income from the most recent paycheck stub is annualized to calculate your annual income. 如果有奖金的话, 奖金从今年迄今的总额中扣除, 然后年化这个数字, 将奖金加回年化数字.

Self-Employed Income: We review your last 2 years of tax transcripts and a year-to-date Profit and Loss Statement, 然后算出这些数字的平均值来计算你的年收入.

Will I qualify for Invest Atlanta Homebuyer 激励 with student loan obligations?

Student loans are considered by the Participating Lender when determining qualification for a mortgage. 最好与贷款人协商确认您的资格.

我可以买房子,然后再装修吗?

是的, qualified homebuyers may purchase a home using an FHA 203K or Conventional HomeStyle renovation mortgage loan and use ATL Home Renovation Advantage to help with the down payment and closing costs.

我在哪里上规定的家居装修课程?

资源为居民提供翻新教育讲习班. 你必须在rrc-atl的网站上注册.org.

Do I have to live in my home for a certain time if I utilize these programs to purchase it?

Some incentives have a required affordability period, while HOME Atlanta 4.0和HFA Preferred TM不需要.

什么是负担能力期?

An affordability period is a required amount of time during which you must own and live in the home.

Can these programs be combined with other down payment assistance programs?

是的, under very specific circumstances the programs can be combined with one another and with 亚特兰大腰围 Housing Initiative Program, 亚特兰大市NSP或亚特兰大住房管理局的项目. 投资亚特兰大的激励措施不能用于NACA, 格鲁吉亚的梦想, 迪卡尔布县或富尔顿县的首付援助项目.

我已经获得了抵押贷款的资格预审, 但我在你的参与贷方名单上没有看到我的贷方. 我的贷方是怎么出现在你的名单上的?

Your lender may request an Invest Atlanta Lender Invitation to Participate, 然而,审批过程可能需要60天或更长时间. You must select a lender from the current Participating Lender list to use Invest Atlanta incentives.

如何报名参加所需的置业者教育课程?

You must contact a Participating Homebuyer Educator directly to enroll in a homebuyer education class.

购房者教育证书何时到期?

Certificates for the required 8-hour homebuyer education class expire 12 months after completing the class or online course.

这个过程需要多长时间?

Invest Atlanta will review and approve your submission file at the same time your mortgage loan is being reviewed and approved by the Participating Lender, 通常需要45天.

我自己需要多少钱?

Program guidelines require homebuyers to contribute $1,500 to the transaction. Your Participating Lender will provide an upfront estimate of funds needed to close on your home. If the incentive amount does not cover all of the down payment and closing cost requirements, 你要对余额负责. Your real estate agent may negotiate seller-paid closing costs on your behalf to possibly reduce the funds you need at closing.

我必须从列表中选择一个房地产中介吗?

没有参与地产代理的名单, 因此,你可以与你自己选择的房地产中介工作.

我该如何开始?

The steps to homeownership using Invest Atlanta Homebuyer 激励 are:

1. 参加投资亚特兰大购房者Q & 一个会话
2. 参加一个合格的购房者教育课程
3. esball线上娱乐网址参与贷方获得资格预审
4. 在亚特兰大市区找到一个家

我如何确定一处房产是否符合购房激励措施的条件?

Qualifying homes purchased using Invest Atlanta down payment incentives must be located within the city limits of Atlanta. 要确定该属性是否位于亚特兰大市,请单击 在这里, type in the property address and look for the three qualifying indicators (Neighborhood Name, NPU和区议会[1-12])的灰色面板信息, 位于网页的右侧.

仍有很多问题?

告诉我们你想知道什么. We'll get back to you shortly to talk about how Invest Atlanta can help you.

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