购房者奖励措施(常见问题)

Have a question? 看看下面我们是否有答案.

Do I have to qualify for a mortgage before utilizing these programs?

Yes, 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.

什么是资格预审?

按揭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.

To get prequalified, a Participating Lender will ask you for basic financial information about your income, debt, savings, credit, and assets. Typically, the Participating Lender will need to pull your credit score to provide a prequalification letter.

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

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

有收入限制吗??

Yes. 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,我可以在哪里买到我的房子?

Qualifying homes purchased using Invest Atlanta down payment incentives must be located within the city limits of Atlanta. 若要确定属性是否位于足球外围买球靠谱平台市,请单击 here.

我能买什么样的房子?

Most Invest Atlanta Homebuyer Incentives allow the purchase of a single family home, condominium, 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.

这些计划的最高收入限制是由家庭成员决定的. 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.

你计算税前收入还是税后收入?

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

怎样计算我的收入才有资格获得奖励?

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, 奖金从年初至今的总额中减去, 然后按年计算这个数字, 把奖金加到年化数字上.

Self-Employed Income: We review your last 2 years of tax transcripts and a year-to-date Profit and Loss Statement, 然后将这些数字平均,计算出你的年收入.

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

Student loans are considered by the Participating Lender when determining qualification for a mortgage. 最好咨询贷款人以确认您的资格.

我可以先买房,然后再装修吗?

Yes, 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.

我在哪里上必修的家居装修课程?

“居民资源”提供翻新教育工作坊. 你必须在他们的网站rrc-atl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则没有.

什么是可负担期?

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?

Yes, under very specific circumstances the programs can be combined with one another and with Atlanta BeltLine Housing Initiative Program, 足球外围买球靠谱平台市NSP或足球外围买球靠谱平台住房管理局计划. 足球外围买球靠谱的激励措施不能与NACA一起使用, Georgia Dream, 迪卡尔布县或富尔顿县的首付援助计划.

我已经有资格申请抵押贷款了, 但我在你们的参与贷款人名单上没有看到我的贷款人. 我的贷款人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.

我如何报名参加所需的购房者教育课程?

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

购房者学历证书什么时候到期?

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, 这通常需要45天.

我需要多少自己的钱?

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, 余款由你来付. Your real estate agent may negotiate seller-paid closing costs on your behalf to possibly reduce the funds you need at closing.

我必须从名单中选择一个房地产经纪人吗?

没有参与房地产经纪人的名单, therefore you may work with a real estate agent of your own choosing.

How do I get started?

The steps to homeownership using Invest Atlanta Homebuyer Incentives are:

1. 参加足球外围买球靠谱购房者Q & A Session
2. 参加一个合格的购房者教育课程
3. 联系参与贷款机构进行资格预审
4. 在足球外围买球靠谱平台市区范围内找一个家

我如何确定一处物业是否符合置业奖励的资格?

Qualifying homes purchased using Invest Atlanta down payment incentives must be located within the city limits of Atlanta. 若要确定属性是否位于足球外围买球靠谱平台市,请单击 here, type in the property address and look for the three qualifying indicators (Neighborhood Name, NPU和议会区[1-12])在灰色面板上的信息, 位于网页的右侧.

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