Cov Pab Cuam Rau Tswv Tsev

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Cov ntawv no tau muab txhais ua lus Hmoob los pab cov neeg tsis paub nyeem ntawv Meskas. Peb sim muab kev txhais lus kom raug, tab sis tej zaum yuav muaj kev sib txawv me ntsis. Yog muaj kev sib txawv ntawm cov lus Meskas thiab qhov txhais ua lwm yam lus, qhov lus Meskas yog qhov tseem.

Minnesota Housing muaj ntau hom kev pab cuam qiv nyiaj rau cov neeg yuav tsev thawj zaug thiab rov yuav tsev dua tshiab thiab ib qhov pab cuam rau qhov rov qiv nyiaj kom pab ua kom kev muaj tsev nyob yooj yim dua.

Peb ua hauj lwm nrog cov neeg koom tes qiv nyiaj thoob plaws hauv lub xeev uas tuaj yeem teb tau cov lus nug txog qhov kev pom zoo ntawm cov kev pab cuam thiab cov kev pab ntawm peb cov pab cuam, suav nrog cov pab cuam qiv nyiaj mus txog $53,000 rau ntawm qhov tso nyiaj yuav tsev thiab nqi kaw tsev  rau cog neeg ua tsim nyog tau. Mus thov qhov kev pab cuam qiv nyiaj ntawm Minnesota Housing los ntawm peb cov neeg koom tes qiv nyiaj, ua ib yam li koj yuav mus thov qiv nyiaj rau lwm qhov chaw.

Txawm koj nyob qhov twg hauv koj txoj kev yuav tsev, peb cov khoom lag luam thiab cov kev pab cuam tuaj yeem pab koj yuav kom tau ib lub tsev.

Yuav Tsev Li Tus Neeg Yuav Tsev Thawj Zaug

Qhov pab cuam Start Up yog rau cov neeg yuav tsev thawj zaug, uas yog ib tug neeg uas "tsis tau muaj feem koom nrog kev ua tswv tsev nyob li peb xyoos dhau los." Yog tias koj tsis tau ua tswv tsev, los sis twb tau peb xyoos dhau los lawm txij thaum koj yog ib tus tswv tsev, koj yuav raug suav tias koj yog ib tus neeg yuav tsev thawj zaug.

Qhov kev pab cuam Start Up tej zaum yuav muaj cov cai thiab cov kev xaiv hauv qab no:

Cov nyiaj khwv tsuas pub khwv tau txog $156,100 nyob ntawm lub county
Tus nqi ntawm lub tsev tsuas txog txij $515,200 hauv thaj tsam 11-county Metro thiab $472,030 rau tag nrho lwm lub county
Cov nyiaj qiv los them cov nqis tso nyiaj yuav tsev thiab kaw tsev – muaj txog $18,000!
Yam tsawg kawg ntawm cov qhab nia credit
Cov cai los ua tus tswv nyob hauv lub tsev
Chav Kawm Yuav Tsev: Yam tsawg kawg yog IB tug neeg uas qiv nyiaj yuav tsum kawm tiav ib chav kawm yuav tsev uas tau kev pom zoo ua ntej yuav kaw tsev.

Yog tias koj yog tus neeg yuav tsev thawj zaug tiam sis koj cov nyiaj khwv tau los sis tus nqi tsev ntau tshaj qhov kev txwv ntawm qhov kev pab cuam Start Up, koj tuaj yeem thov qhov kev pab cuam Step Up (Cov ntaub ntawv hais txog pab cuam Step Up muaj nyob hauv qab ntawm qhov "Rov Yuav Tsev Dua Tshiab”)

Rov Yuav Tsev Dua Tshiab

Yog tias koj tsis yog tus neeg yuav tsev thawj zaug – los sis koj yog tus neeg yuav tsev thawj zaug tiam sis koj cov nyiaj khwv tau los sis nqi tsev ntau tshaj qhov kev txwv ntawm qhov kev pab cuam Start Up – qhov pab cuam Step Up yuav yog ib qho kev xaiv zoo heev.

Cov kev qhia thiab kev xaiv ntawm qhov pab cuam Step Up yuav muaj xws li:

Cov nyiaj khwv tsuas pub khwv tau txog $196,600 nyob ntawm lub county
Tus nqi ntawm lub tsev tsuas txog txij $515,200 hauv thaj tsam 11-county Metro thiab $498,257 rau tag nrho lwm lub county
Cov nyiaj qiv los them cov nqis tso nyiaj yuav tsev thiab kaw tsev – muaj txog $14,000!
Yam tsawg kawg ntawm cov qhab nia credit
Cov cai los ua tus tswv nyob hauv lub tsev
Chav Kawm Yuav Tsev: Yog TXHUA tus neeg uas qiv nyiaj yog cov neeg yuav tsev thawj zaug, yam tsawg kawg yog IB tug neeg uas qiv nyiaj yuav tsum kawm tiav chav kawm yuav tsev uas tau kev pom zoo ua ntej yuav kaw tsev.

Rov Qiv Nyiaj

Qhov pab cuam Step Up kuj siv tau los qiv nyiaj dua tshiab rau koj qhov nqi tsev tam sim no thiab muab kev xaiv rau cov neeg qiv nyiaj los siv peb qhov Monthly Payment Loan los them tus nqi kaw tsev. Koj tsis tas yuav yog ib tus neeg qiv nyiaj rau ntawm Minnesota Housing kom siv tau qhov pab cuam no, tiam sis yog tias koj yog, thiab koj muaj ib daim ntawv qiv nyiaj thib ob, tej zaum koj yuav tshem nws tau thaum koj rov qiv nyiaj nrog qhov pab cuam Step Up.

Cov kev qhia thiab kev xaiv ntawm qhov pab cuam Step Up yuav muaj xws li:

Cov nyiaj khwv tsuas pub khwv tau txog $196,600 nyob ntawm lub county
Qhov nyiaj qiv tsuas pub mus txog $515,200 hauv thaj tsam 11-county Metro thiab $498,257 rau tag nrho lwm lub county
Cov nyiaj qiv los them cov nqis tso nyiaj yuav tsev thiab kaw tsev – muaj txog $14,000!
Yam tsawg kawg ntawm cov qhab nia credit
Cov cai los ua tus tswv nyob hauv lub tsev

Cov Nyiaj Qiv Los Them Nqis Tso Nyiaj Thiab Kaw Tsev

Thaum koj tsim nyog tau qhov nyiaj qiv thiab tsim nyog rau qhov kev pab cuam Minnesota Housing Start Up los sis Step Up, koj kuj tseem muaj kev xaiv los siv ib qho ntawm peb cov kev pab cuam qiv nyiaj them nqis tso nyiaj thiab kaw tsev.

Cov nyiaj qiv no, uas muaj txog $18,000, tsis yog nyiaj pub dawb. Txhua qhov kev pab cuam qiv nyiaj muaj cov cai uas yuav tsum ua kom tau raws li thiaj tsim nyog tau txais thiab tsuas siv tau nrog Minnesota Housing qhov nyiaj qiv yuav tsev thawj zaug xwb.

Tej yam tseem ceeb ntawm cov kev xaiv rau cov kev pab cuam qiv nyiaj them nqis tso nyiaj thiab kaw tsev:

Cov Nqe Lus	Nyiaj Qiv Uas Them Txhua Hli	Deferred Payment Loan (DPL) / Deferred Payment Loan Plus (DPL+)
Muaj	Muaj nrog Start Up los sis Step Up	Muaj nrog Start Up xwb
Nyiaj Qiv	Mus txog $14,000	DPL: Mus txog $14,000 DPL+: Mus txog $18,000
Nqi Paj Laum Thiab Cov Nqe Lus Them Rov Qab	Cov nqe lus rau kev them rov qab hauv 15 xyoos. Tus nqi paj laum yog tib yam li tus nqi paj laum ntawm koj qhov nyiaj qiv yuav tsev thawj zaug.	Tsis muaj paj laum, tsis muaj nyiaj them txhua hli. Thaum txog hnub kawg ntawm qhov nyiaj qiv yuav tsev, yuav tsum them tag nrho cov nyiaj ib zaug. **
Kev txwv ntawm cov nyiaj khwv tau	Zoo ib yam li Minnesota Housing qhov kev pab cuam qiv nyiaj yuav tsev thawj zaug	Tiv tauj ib lub tuam txhab qiv nyiaj uas koom tes

** Qhov nyiaj qiv uas tsis muaj paj ncua tau them ib zaug yuav tsum them kom tag nrho ib zaug thaum txog hnub kawg ntawm qhov nyiaj qiv, los sis tus neeg qiv nyiaj tau tsiv tawm, muag lub tsev, los sis rov qab qiv nyiaj dua tshiab (tshwj yog rov qiv nyiaj dua tshiab nrog peb qhov kev pab cuam Step Up) los sis qhov nqi tsev tau muaj them tag ua ntej lub sib hawm ntawm qhov nyiaj qiv.

Kev Kawm Txog Kev Yuav Tsev

Mus saib peb daim nplooj Get Ready for Homeownership kom paub ntxiv txog cov kev kawm rau kev yuav tsev uas tau kev pom zoo, kev pab tswv yim txog kev yuav thiab ua tswv tsev uas pab dawb, thiab kev pab tawm tswv yim txog nyiaj txiag raws li koj qhov kev xav tau.

Yog tias koj yuav siv Minnesota Housing qhov nyiaj qiv thiab TXHUA tus neeg uas yuav qiv nyiaj yog cov yuav tsev thawj zaug, yam tsawg kawg IB tug yuav tsum kawm tiav ib qho kev kawm rau kev yuav tsev uas tau kev pom zoo. Qhov kev kawm no yuav pab tau koj ntau dua yog tias koj kawm thaum ntxov thaum koj tab tom npaj yuav tsev, vim tias txoj kev yuav tsev muaj ntau yam uas yuav ua rau koj tsis nkag siab. Yog li, vim li cas ho yuav tos?

Cov Kauj Ruam Tom Ntej Kom Tau Minnesota Housing Qhov Nyiaj Qiv

Pib los ntawm kev kawm tiav ib qho kev kawm txog kev yuav tsev uas tau kev pom zoo, los sis tham nrog ib tug neeg pab tswv yim txog kev yuav thiab ua tswv tsev.
- Tus neeg pab tswv yim txog kev yuav thiab ua tswv tsev yuav pab koj xyuas seb koj puas npaj txhij yuav tsev, thiab qhov no yuav tsis cuam tshuam rau koj tus qhab nia credit.
- Mus saib cov ntaub ntawv ntxiv txog kev kawm yuav tsev uas tau kev pom zoo thiab kev pab tswv yim txog kev yuav thiab ua tswv tsev uas pab dawb.
Siv peb qhov Find a Lender tool los nrhiav ib lub tuam txhab qiv nyiaj uas koom nrog Minnesota Housing uas koj xav siv.
- Tham nrog ib lub tuam txhab qiv nyiaj uas koom nrog Minnesota Housing kom paub ntxiv txog Minnesota Housing cov kev pab cuam.
- Nug txog tej yam uas koj xav paub, xws li cov nqi paj laum, cov nyiaj tso yuav tsev uas yuav tsum tau them, thiab lwm cov nqi uas muaj feem rau qhov nyiaj qiv yuav tsev.
- Qhia rau lawv paub tias koj xav nrog lawv xyuas seb Minnesota Housing qhov kev pab cuam twg yuav haum rau koj.
- Tau kev pom zoo

Cov Lus Qhia Kom Nkag Siab Txog Cov Nqi Qiv Nyiaj thiab Cov Nqi Paj Laum

Tom qab koj ua tiav daim ntawv thov qiv nyiaj lawm, ua tib zoo xyuas koj daim Loan Estimate. Daim ntawv no yuav qhia txog ntau yam, xws li qhov kwv yees ntawm cov nqi kaw tsev thiab seb koj yuav tsum muaj nyiaj ntau npaum li cas thaum txog hnub kaw qhov kev yuav tsev.
Yog tias koj muaj lus nug txog cov nqi thiab cov nqi kaw tsev uas teev rau hauv koj daim Loan Estimate:
Nug lub tuam txhab qiv nyiaj uas koj siv
Mus saib Loan Estimate Explainer kom paub nyeem thiab nkag siab koj daim Loan Estimate
Tiv tauj ib tug neeg pab tswv yim txog kev yuav thiab ua tswv tsev kom tau kev pab tswv yim dawb, uas yuav pab koj nkag siab txog koj daim Loan Estimate thiab muab piv rau cov nqi kaw tsev uas ib txwm them.

Minnesota Housing teeb cov nqi paj laum thoob plaws lub xeev rau cov nyiaj qiv uas tau txais nyiaj los ntawm peb cov kev pab cuam Kev Yuav thiab Ua Tswv Tsev thiab Kev Kho thiab Txhim Kho Tsev. Lub tuam txhab qiv nyiaj uas koj siv kuj yuav muab cov nqi paj laum rau lwm yam kev pab cuam uas tej zaum koj kuj yuav tsim nyog tau txais thiab. Yog xav paub Minnesota Housing cov nqi paj laum tam sim no, tiv tauj ib lub tuam txhab qiv nyiaj uas koom nrog Minnesota Housing.

Qhov kev pab cuam Mortgage Credit Certificate (MCC) rau cov First-Time Homebuyers

Cov ntaub ntawv qhia

CEEB TOOM: Qhov kev pab cuam Mortgage Credit Certificate (MCC) twb tau tag sij hawm txij thaum hnub tim 31 lub Kaum Ob hlis xyoo 2017 lawm.

Qhov FAQ thiab lwm yam ntaub ntawv rau cov neeg twb tau txais MCC dhau los.

Ntawm kev sib txuas nrog qhov pab cuam qiv nyiaj Single Family Division, Minnesota Housing tsis yog tus tsim los sis tus npaj cov nyiaj qiv. Minnesota House tsis yog tus qiv nyiaj los sis muaj feem xyuas nrog lwm cov neeg qiv nyiaj. Cov nqe lus ntawm txhua yam nqi nyiaj tsev uas muaj feem xyuas nrog cov kev pab cuam no, suav nrog cov lus qhia tseem ceeb xws li cov nqi qiv, tus nqi paj txhua xyoo (APR) cov nqe lus them rov qab, cov ntawv ceeb toom, thiab txhua yam ntaub ntawv uas yuav tsum muab rau tus neeg qiv, yog qhov kev lav ris ntawm tus neeg muaj qhov nyiaj qiv.

In connection with Single Family Division loan programs, Minnesota Housing does not make or arrange loans. It is neither an originator nor creditor and is not affiliated with any Lender. The terms of any mortgage finance transactions conducted in connection with these programs, including important information such as loan fees, the annual percentage rate (APR), repayment conditions, disclosures, and any other materials which are required to be provided to the consumer are the responsibility of the Lender.