{"id":7185,"date":"2024-10-12T14:44:39","date_gmt":"2024-10-12T18:44:39","guid":{"rendered":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/?page_id=7185"},"modified":"2024-10-12T14:44:39","modified_gmt":"2024-10-12T18:44:39","slug":"down-payment-assistance-programs","status":"publish","type":"page","link":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/mortgage-products\/down-payment-assistance-programs\/","title":{"rendered":"Down Payment Assistance 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=\"#dpa\">MEP Advantage DPA<\/a><\/li>\n<li><a href=\"#cf\">Chenoa Fund<\/a><\/li>\n<li><a href=\"#fl\">Florida Housing<\/a><\/li>\n<li><a href=\"#pa\">Pennsylvania 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>Down payment and closing cost assistance<\/h2>\n<p>One of the most challenging parts of buying a home today is coming up with the money for the down payment and closing costs. A great way to make that more affordable is by using a down payment assistance program (DPA). These programs provide eligible homebuyers assistance to purchase a new home. The funds can be in the form of a grant, low-interest mortgage loan, or other incentives to help a buyer purchase a home.<\/p>\n<p>Mortgage Equity Partners has partnered with many different states to help homebuyers. We also offer our own DPA program for all homebuyers. These programs are sometimes limited in funds or time periods so its important to contact one of our experienced loan officers that can tell you what is available in your area.<\/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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We have partnered with a well-established lender to be able to provide down payment assistance through The National Homebuyer\u2019s Fund, a DPA non-profit benefit corporation.<\/p>\n<p>The MEP Advantage DPA Program is designed to increase homeownership opportunities for low-to-moderate-income homebuyers. The funds provided through this program can help subsidize the additional money needed for down payment and closing costs and may help turn homeownership dreams into reality, even for those facing financial constraints.<\/p>\n<p>Our program has 2 options that provides 100% financing of a home&#8217;s sales price as per FHA guidelines. With an FHA loan requiring a down payment of 3.5% of the home&#8217;s sales price, the MEP Advantage DPA program can be used to cover the rest.<\/p>\n<p><strong>MEP DPA Option 1<\/strong><\/p>\n<p>Option 1 is a second lien with an interest rate equal to the first note rate plus 2%. It has a 10-year loan term but can be payable upon sale, refinance, or payoff. The total loan amount is 3.5% of the lesser of the sale price or appraised value.<\/p>\n<p><strong>MEP DPA Option 2<\/strong><\/p>\n<p>Option 2 is a second lien forgivable loan with an interest rate of 0%. The payments are deferred, and no interest accrues. This loan is forgivable after 10 years. The total loan amount is 3.5% of the lesser of the sale price or appraised value.<\/p>\n<p>As you can see, this program is a great tool for homeowners in today&#8217;s market who want to buy a home but are being impacted by rising home prices and lack of disposable income for down payment and closing costs.<\/p>\n<p><strong>Additional features of the MEP Advantage DPA:<\/strong><\/p>\n<ul>\n<li>The minimum FICO score for this product is 600.<\/li>\n<li>MEP does not require that the homebuyer be a first-time homebuyer, but homebuyer education is required by at least one occupying home buyer.<\/li>\n<li>The property types that can be purchased using this program include single-family residences (1-unit), duplexes, some manufactured homes (check with your loan officer on this), PUDS, Townhouses, and some condos (check with your loan officer on this).\u00a0<em>Note: MEP\u2019s Advantage DPA program is not used on 3\u20134 unit properties.<a id=\"cf\"><\/a><br \/>\n<\/em><\/li>\n<\/ul>\n<h2>Chenoa Fund<sup>\u00ae<\/sup><\/h2>\n<p>The Chenoa Fund<sup>\u00ae<\/sup> is a national down payment assistance program provided by CBC Mortgage Agency and administered through authorized lenders like Mortgage Equity Partners. The program is designed to increase creditworthy borrowers&#8217; access to homeownership. Based on their core belief that everyone deserves access to affordable housing, they offer Down Payment Assistance programs paired with FHA Loans to provide a 100% financing option.<\/p>\n<p>Under the program, borrowers who meet eligibility requirements may receive a second mortgage to cover the minimum down payment of 3.5% when purchasing a home with an FHA loan.<\/p>\n<p><strong>Here is an overview of the Chenoa Fund<sup>\u00ae<\/sup><\/strong><\/p>\n<p>Chenoa Fund<sup>\u00ae<\/sup> DPA For FHA loans offers one product with a repayable and forgivable option. For all products, the borrower will need to have a credit score of 600 or higher.<\/p>\n<p><strong>Repayable:<\/strong> This loan has a 10-year term with an interest rate matching the interest rate on the FHA first mortgage. This loan does require a monthly payment on the second mortgage.<\/p>\n<p><strong>Forgivable:<\/strong> This loan has a 30-year term with an interest rate of 0% (0% APR). This loan does not require a monthly payment on the second mortgage. Forgiveness is determined by the DPA amount:<\/p>\n<ul>\n<li>5%: Forgivable after 36 consecutive, on-time payments on the FHA first mortgage. This forgiveness period resets if the borrower makes a late payment, but the borrower has the full 30-year term to meet the forgiveness conditions. This loan may also be forgiven at the end of the 30-year term if the previous forgiveness condition has not been met.<\/li>\n<li>5%: Forgivable after the initial 120 consecutive, on-time payments on the FHA first mortgage. This forgiveness period is terminated if the borrower has a payment that is 60+ days late, but the loan will remain with a 30-year term, 0% interest rate (0% APR), and no monthly payment.<\/li>\n<\/ul>\n<p>Both forgivable loan options may be forgiven at the end of the 30-year term if the previous forgiveness conditions have not been met, even if the borrower made late payments on the FHA&#8217;s first mortgage. If it is not already forgiven, the loan must be repaid upon transfer of ownership or refinance.<a id=\"de\"><\/a><\/p>\n<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>\n<p>The Mortgage Credit Certificate (MCC) Program offers eligible first-time homebuyers a nonrefundable Federal income tax credit which can be utilized with a lender&#8217;s first mortgage. 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\/winterpark-fl\/our-team\/\">Florida 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 down payment 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\/winterpark-fl\/our-team\/\">qualified loan officer<\/a> today!<a id=\"ri\"><\/a><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":8,"featured_media":0,"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-7185","1":"page","2":"type-page","3":"status-publish","5":"entry"},"_links":{"self":[{"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/pages\/7185","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/comments?post=7185"}],"version-history":[{"count":0,"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/pages\/7185\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/pages\/4882"}],"wp:attachment":[{"href":"https:\/\/mortgageequitypartners.com\/winterpark-fl\/wp-json\/wp\/v2\/media?parent=7185"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}