Cov Pab Cuam Rau Tswv Tsev

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.

Start Up program guidelines and options may include:

• Cov nyiaj khwv tsuas pub khwv tau txog $142,800 nyob ntawm lub county.
• Tus nqi ntawm lub tsev tsuas txog txij $659,550 thaj tsam ntawm 11-county Metro thiab $604,400 rau tag nrho lwm lub county
• Cov nyiaj qiv los them cov nqis tso nyiaj yuav tsev thiab kaw tsev - tuaj yeem pub txog $53,000!
• 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 kawv tiav chav 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”) 

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 txog $185,700 nyob ntawm lub county
• Tus nqi ntawm lub tsev tsuas txog txij $659,550 thaj tsam ntawm 11-county Metro thiab $637,950 rau tag nrho lwm lub county
• Cov nyiaj qiv los them cov nqis tso nyiaj yuav tsev thiab kaw tsev – muaj pub 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 kawv tiav chav yuav tsev uas tau kev pom zoo ua ntej yuav kaw tsev.

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 $185,700 nyob ntawm lub county
• Qhov nyiaj qiv tsuas pub mus txog $659,550 thaj tsam ntawm 11-county Metro thiab $637,950 rau tag nrho lwm lub county
• Cov nyiaj qiv los them cov nqis tso nyiaj yuav tsev thiab kaw tsev – muaj pub txog $18,000!
• Yam tsawg kawg ntawm cov qhab nia credit
• Cov cai los ua tus tswv nyob hauv lub tsev      

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

Cov nyiaj qiv no, uas muaj txog $35,000 thiab $18,000, tsis yog nyiaj pub dawb. Txhua qhov pab cuam qiv nyiaj muaj cov cai tsim nyog tau thiab tsuas siv tau rau qhov thawj zaug nqi tsev ntawm Minnesota Housing.

Tej yam tseem ceeb ntawm kev xaiv pab cuam qiv nyiaj rau ntawm cov nqi tso nyiaj thiab kaw tsev muab xws li:

Cov Nqe Lus	Nyiaj Qiv Uas Them Txhua Hli	Deferred Payment Loan (DPL) / Deferred Payment Loan Plus (DPL+)	First-Generation Homebuyer Loan
Muaj	Muaj nrog Qhov Start Up los sis Step Up	Muaj nrog Qhov Start Up los sis Step Up	Nyiaj muaj tsis ntau.* Muaj nrog Start Up xwb
Nyiaj Qiv	Mus txog $18,000	DPL Up to $16,500 DPL+ Up to $18,000	Mus txog $35,000
Nqi Paj thiab Cov Nqe Lus Qhia Txog Kev Them Rov Qab	Qhov nqi them rov qab 10 xyoos Sib Npaug li koj qhov nqi paj tsev thawj zaug	Tsis muaj paj, tsis muaj them txhua hli. Qhov nqi tsev yuav tsum them kom tag ib zaug thaum txog lub sij hawm them qhov nyiaj rov qab. **	Qhov nyiaj qiv uas ncua tseg tau, zam tau.  Cov neeg qiv nyiaj yuav tsum ua kom tau raws txhua yam ntawm daim ntawv hais tseg thiab tsim nyog tau kev zam ntawm cov nyiaj qiv:    Zam tau 50% tom qab 10 xyoos ntawm hnub kaw tsev    Qhov seem mam zam tom qab 20 xyoos ntawm hnub kaw tsev. Qhov nyiaj yuav tsis zam thiab yuav tsum them kom tag rov qab yog thaum tus neeg qiv qhov nyiaj tsiv tawm, muag lub tsev, los sis rov refinance (tshwj tsis yog siv peb qhov kev pab cuam Step Up) los sis qhov nqi tsev thawj zaug raug them tag nrho ua ntej hnub yuav tsum them qhov nyiaj qiv.
Kev Txwv Ntawm Cov Nyiaj Khwv Tau Uas Tsis Pub Ntau Tshaj	Zoo ib yam li Minnesota Housing thawj qhov kev pab cuam qiv nyiaj yuav tsev	Tiv tauj ib tus neeg qiv nyiaj uas koom tes	Tiv tauj ib tus neeg qiv nyiaj uas koom tes

*The Minnesota Housing First-Generation Homebuyer Loan has funding to serve approximately 1,500 eligible borrowers on a first-come, first-served basis until funds are exhausted. The program is made available through $50 million in one-time funding from the Minnesota legislature.

** 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.

Los nrhiav ib tug neeg qiv nyiaj uas koom tes nrog Minnesota Housing uas koj xaiv tau los ntawm qhov Cuab Yeeb Nrhiav Neeg Qiv Nyiaj.

• Hu rau lawv kom paub txog cov cai thiab lwm yam kev xaiv hauv cov kev pab cuam uas tau teev tseg
• Tau txais cov lus teb rau koj cov lus nug
• Qhia rau lawv paub tias koj xav ua hauj lwm nrog lawv kom nrhiav seb qhov kev pab cuam twg ntawm Minnesota Housing yuav haum rau koj