是的, 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.

抵押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.

通过资格预审, a Participating Lender will ask you for basic financial information about your income, 债务, 储蓄, 信贷, 和资产. 通常, the Participating Lender will need to pull your 信贷 score to provide a prequalification letter.

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

是的. 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.

Qualifying homes purchased using Invest Atlanta down payment incentives must be located within the city limits of Atlanta. 要确定该属性是否位于澳门新葡新京官方市，请单击 在这里.

Most Invest Atlanta Homebuyer 激励 allow the purchase of a single family home, 公寓, 联排别墅和2-4个单元. AAHOP不允许2-4个单元. 人造住宅不符合条件.

No, however you cannot own interest in any property when closing with Invest Atlanta incentives.

A household member is any individual you indicate at the time of application will live in the home you purchase.

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

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, 奖金将从今年迄今的总奖金中扣除, 然后年化这个数字, 把奖金加回年化数字.

Self-Employed Income: We review your last 2 years of tax transcripts and a year-to-date Profit and Loss Statement, 然后平均这些数字来计算你的年收入.

Student loans are considered by the Participating Lender when determining qualification for a mortgage. 最好与贷款人协商，以确认您的资格.

是的, 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.

“居民资源”提供翻新教育讲习班. 你必须在他们的网站rrc-atl上注册.org.

Some incentives have a required affordability period, while HOME Atlanta 4.0和HFA Preferred TM没有.

An affordability period is a required amount of time during which you must own and live in the home.

是的, under very specific circumstances the programs can be combined with one another and with 澳门新葡新京官方腰围 Housing Initiative Program, 澳门新葡新京官方市NSP或澳门新葡新京官方市房屋管理局计划. 投资澳门新葡新京官方的奖励不能用于NACA, 格鲁吉亚的梦想, 迪卡尔布县或富尔顿县的首付援助计划.

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.

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

Certificates for the required 8-hour homebuyer education class expire 12 months after completing the class or online course.

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.

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, 余额由你负责. Your real estate agent may negotiate seller-paid closing costs on your behalf to possibly reduce the funds you need at closing.

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

The steps to homeownership using Invest Atlanta Homebuyer 激励 are:

1. 参加投资澳门新葡新京官方购房者Q & 一个会话
2. 参加合格的购房者教育课程
3. 联系参与贷款机构获得资格预审
4. 在澳门新葡新京官方市内找个房子

Qualifying homes purchased using Invest Atlanta down payment incentives must be located within the city limits of Atlanta. 要确定该属性是否位于澳门新葡新京官方市，请单击 在这里, type in the property address and look for the three qualifying indicators (Neighborhood Name, NPU和议会区[1-12])的灰色信息面板, 位于网页的右侧.