02/01/2024
First Home Buyer Programs in Minnesota
Guriga ugu horeeya ee aad iibsanaysid.
Dad badan ayaa i soo weydiiya in ay wax ka ogaadaan lacagta Dawladda/Gobolka Minnesota lagu caawinayo dadka gurigii ugu horeeyey iibsanaya (First Home Buyer).
Waxa aad moodaa in dad badan macluumaad khalad ah la siiyey. Waayo inta aan ogahay ma jirto lacag bilaash (Free Money), lacagtuna waa deyn. Haddaba maxaa la isaga baahan yahay ama sidee u shaqanayaa Qorshahan caawintu.
1) Qofka ama family-ga iibsanaya guriga dakhligoodu (income ku) waa inaanu ka badan sanadkii $142, 800, taas oo ku xidhan County-ga (Degmada) aad degan tahay
2) Guriga aad iibsanaysaa waa inaanu ka badan $659, 550 11-ka County ee ku wareegsan Metro-ga (Twin Cities). Gobolka intiisa kale waa $604, 400.
3) Lacagta (Down Payment ama Closing cost) waa ilaa $18,000, waxa kale sidoo kale muhiim ah inaad ogaatid County-ga ama Magaalada (city) aad degan tahay in ay iyaduna caawimaad ama deyn bixinayso; waana laguu oggol yahay inaad ta Gobolka iyo ta County-ga isku darsatid.
4) Waxa kale oo iyaduna meesha ku jirta in Credit Score-kaagu aanu ka yaraan 640.
5) Waxa kale oo qofka looga baahan yahay in uu waxbarsho qaato taas oo inteeda badan 8 saacadood ah. Markaasna la siiyo shahaado caddaynaysa in uu qofku waxbarshadii dhammaystay.
6) Waa inaad sidoo kale ogaataa in aanay dawladdu lacag toos ah bixinayn ee ay Bangiyada u xilsaaratay, marka bangiga aa la tacaamulayso waa inaad weydiisa in uu First Home Buyer Programs-ka ka qayb yahay.
Halkan hoose waxaan kuugu soo diyaarshey hay’adaha waxbarashada la iska rabo bixiya. Qaarkood online ayaad ku qaadan kartaa adiga oo aan xafiiskooda tegin.
Framework
https://learn.frameworkhomeownership.org/hocmn/
FreddieMac.com
https://creditsmart.freddiemac.com/paths/homebuyer-u/
Home Stretch
https://www.hocmn.org/workshop-calendar/