没房党的福利！最全麻州首次购房者 首付补贴金申请指南来啦！！

此补助金项目适用于第一次在美国购房者或无住房超过三年的购房者

此补助金项目针对买自住房，且家庭收入在所居住城市中位数左右/以下的买家们

    - 必须是自住房，如果之后需要搬走或者出租则需要refinance

    - 家庭收入最高为所居城市收入中位数（AMI）100%的购房者最高可获得$50,000，家庭收入在所居住城市收入中位数的100.01%-135%之间的购房者最高可获得$35,000。关于地区家庭收入中位数可到当地City Hall或网上进行相关查询

符合申请要求的房子类型为：Single Family独栋，condo公寓，2-4 Multi-Family多家庭住宅

居住在下列麻州的29个城镇的居民，可获得房价的10%，最高可达$50,000的首付补贴金；居住在非下列麻州的29个城镇的居民，补助金最高可领$30,000首付补贴金：

    - Attleboro

    - Barnstable

    - Boston

    - Brockton

    - Chelsea

    - Chicopee

    - Everett

    - Fall River

    - Fitchburg

    - Framingham

    - Haverhill

    - Holyoke

    - Lawrence

    - Leominster

    - Lowell

    - Lynn

    - Malden

    - Methuen

    - New Bedford

    - Peabody

    - Pittsfield

    - Quincy

    - Randolph

    - Revere

    - Salem

    - Springfield

    - Taunton

    - Westfield

    - Worcester

购房者需要参加2天课程

首付要求至少3%-5%，并且最多只能有$75,000在银行账户，信用分数在640-660分以上

    - 买Single Family House信用分需要640分以上，买2-3Multi-Family需要信用分660分以上

每个月的贷款与收入比率不能超过45%

    - 如果家庭收入为$15万一年，平均每月收入大约$12,500，则每月月供不能超过$5,600左右。这个月供相应的房子价格在95-100w之间。再加上补贴金额度，就是最终可以购买的房子价格

补贴金可用于支付Down Payment或者各种Closing Cost

符合条件者可在麻州任意地点购房

Conventional或者FHA loan均可申请

此福利仅限 Mass Housing认证的Lender并获得Mass Housing Mortgage

Lender名单：

    - Academy Mortgage Corp. 

    - AnnieMac Home Mortgage 

    - Avidia Bank 

    - Bangor Savings Bank 

    - BankFive

    - Bank of Canton

    - Bank of England

    - Bay Equity Home Loans

    - Bay State Savings Bank

    - BayCoast Mortgage Company

    - Bluestone Bank

    - Bristol County Savings Bank

    - Caliber Home Loans

    - Cambridge Savings Bank

    - Cape Cod Five

    - The Cooperative Bank

    - CrossCountry Mortgage, Inc.

    - Dean Co-Operative Bank

    - Dedham Savings

    - Draper and Kramer

    - Eastern Bank

    - Easthampton Savings Bank

    - Embrace Home Loans

    - Envoy Mortgage Ltd.

    - Evolve Bank & Trust

    - Fairway Independent Mortgage Corp.

    - Fidelity Cooperative Bank

    - First Citizens Federal CU

    - First Home Mortgage Corp.

    - Guaranteed Rate Affinity, LLC

    - Guaranteed Rate, Inc.

    - Guild Mortgage

    - HarborOne Mortgage, LLC

    - Holyoke Credit Union

    - HomeBridge Financial Services

    - Homespire Mortgage

    - Hometown Bank

    - Inland Bank and Trust

    - Leader Bank

    - Merrimack Valley Credit Union

    - Millbury FCU

    - Mortgage Equity Partners

    - Mortgage Network, Inc.

    - Movement Mortgage

    - MSA Mortgage

    - Needham Bank

    - NewFed Mortgage Corp.

    - NFM Lending, Inc.

    - Norcom Mortgage

    - Northpoint Mortgage, Inc.

    - PrimeLending

    - Pulte Mortgage

    - Radius Financial Group Inc.

    - Republic State Mortgage Co.

    - Rockland Trust Company

    - Salem Five Mortgage Company, LLC.

    - Shamrock Home Loans

    - Sierra Pacific Mortgage Company

    - St. Anne's Credit Union

    - StonehamBank

    - Total Mortgage

    - Wakefield Co-Operative Bank

    - Webster Bank

    - William Raveis Mortgage

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