{"id":5741,"date":"2019-10-13T13:41:47","date_gmt":"2019-10-13T17:41:47","guid":{"rendered":"https:\/\/mortgageequitypartners.com\/sc-charleston\/?page_id=5741"},"modified":"2024-10-11T12:07:52","modified_gmt":"2024-10-11T16:07:52","slug":"state-housing-programs","status":"publish","type":"page","link":"https:\/\/mortgageequitypartners.com\/sc-charleston\/loan-programs\/state-housing-programs\/","title":{"rendered":"State Housing Programs"},"content":{"rendered":"<div class=\"gca-column one-fifth first\"><div class=\"toc\">\n<h4>Table of Contents<\/h4>\n<ul>\n<li><a href=\"#\">Florida Housing<\/a><\/li>\n<li><a href=\"#pa\">Pennsylvania Housing<\/a><\/li>\n<li><a href=\"#sc\">SC Housing<\/a><\/li>\n<\/ul>\n<p><a name=\"dpa\"><\/a><\/p>\n<\/div><\/div><div class=\"gca-column four-fifths\"><div class=\"gca-column one-half first\"><h2>Florida Housing<\/h2>\n<p>Florida Housing\u2019s First Time Homebuyer (FTHB) Program offers 30-year fixed rate FIRST mortgage loans to first-time homebuyers and qualified veterans in Florida.<\/p>\n<p>This program uses income and purchase price limits to determine eligibility.<\/p>\n<p><strong>Potential borrowers must:<\/strong><\/p>\n<ul>\n<li>Complete a Homebuyers Education Class<\/li>\n<li>Qualify for a Mortgage loan and a qualifying FICO Score<\/li>\n<\/ul>\n<p>Florida Housing also offers down payment and closing cost assistance in the form of a second mortgage loan to assist eligible homebuyers with their down payment and closing costs. Down payment assistance is only available when used in conjunction with Florida Housing&#8217;s first mortgage loan. Down payment assistance is NOT available as &#8220;stand-alone&#8221; down payment assistance. It is only available when used in conjunction with one of Florida Housing\u2019s Homebuyer Programs.<\/p><\/div><div class=\"gca-column one-half\"><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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The MCC reduces an eligible borrower\u2019s Federal income taxes and, in effect, creating additional income for the borrower to use in making mortgage payments or other household expenses. Florida Housing\u2019s Program offers a tax credit amount of up to 50%, based on the loan amount.<a id=\"ga\"><\/a><\/p>\n<p>Contact one of our <a href=\"https:\/\/mortgageequitypartners.com\/sc-charleston\/our-team\/\">Florida Housing Qualified Loan Officers<\/a> to get started today!<\/p>\n<h2>Pennsylvania Housing<\/h2>\n<p>The Pennsylvania Housing Finance Agency (PHFA) provides affordable mortgage financing to buy a home through a variety of programs. The program that is best for you will depend on your specific circumstances, such as your credit history and amount of cash savings, as well as your individual preferences.<\/p>\n<p><strong>What they offer:<\/strong><\/p>\n<ul>\n<li>Home purchase and refinance options<\/li>\n<li>Closing costs and downpayment assistance<\/li>\n<li>Conventional, FHA, VA and RD loan types<\/li>\n<li>Competitive interest rates<\/li>\n<li>Energy efficiency and home repair loans<\/li>\n<li>Free homebuyer education<\/li>\n<li>PHFA services the loan for its full lifetime<\/li>\n<\/ul>\n<p>As with many state housing programs, there are a lot of options available and you may be more qualified than you think. If you want to buy a home but don\u2019t think you have enough money for down payment, think again because we have people buying homes using the PHFA loan programs with very little money out of pocket. To learn more about these programs reach out to a <a href=\"https:\/\/mortgageequitypartners.com\/sc-charleston\/our-team\/\">qualified loan officer<\/a> today!<a id=\"ri\"><\/a><\/p>\n<h2>South Carolina Housing<\/h2>\n<p>SC Housing\u2019s Homebuyer Program can put you in a loan you can live with \u2013 one that\u2019s affordable and consistent over the long term. This program assists low to moderate families and individuals by offering a competitive, fixed-rate mortgage loan. Down payment assistance and closing cost assistance may be available for qualified borrowers.<\/p>\n<p><strong>These loans offer:<\/strong><\/p>\n<ul>\n<li>Low, fixed interest rates<\/li>\n<li>Down Payment Assistance &#8211; For many people considering a first home purchase, saving enough money for the down payment and other costs can be a challenge. At SC Housing, we understand this, and we are here to help you meet this challenge with a variety of down payment assistance programs.<\/li>\n<\/ul>\n<p>Contact one of our <a href=\"https:\/\/mortgageequitypartners.com\/sc-charleston\/our-team\/\">South Carolina Loan Officers<\/a> to get started today!<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":5065,"parent":4882,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"program","_genesis_custom_post_class":"","_genesis_layout":"full-width-content","footnotes":""},"class_list":{"0":"post-5741","1":"page","2":"type-page","3":"status-publish","4":"has-post-thumbnail","6":"entry"},"_links":{"self":[{"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/pages\/5741","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/comments?post=5741"}],"version-history":[{"count":2,"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/pages\/5741\/revisions"}],"predecessor-version":[{"id":6519,"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/pages\/5741\/revisions\/6519"}],"up":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/pages\/4882"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/media\/5065"}],"wp:attachment":[{"href":"https:\/\/mortgageequitypartners.com\/sc-charleston\/wp-json\/wp\/v2\/media?parent=5741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}