自置居所奖励计划
澳门威尼斯人网上赌场市地图
The above map should be used as a general reference only. 查看交互式版本的地图 在这里. If a property is bordering a non-City neighborhood, please contact the City at (585) 428-6888 确认一个属性符合条件.
If you are buying a home outside the 澳门威尼斯人网上赌场市, check out the 按揭房屋奖励计划 below in the resources section.
参与的银行和信用合作社
资格: Regular full-time and part-time faculty and staff, 居民 和同伴;* new homeowner within the 澳门威尼斯人网上赌场市†
数额: 每笔按揭$10,000
福利形式: Loan that is forgiven over 5年 if residency and employment requirements are satisfied‡ (see 还款表 下图)
金钱的使用: 首付款或成交费用
主要居住要求: 5年
工作要求: 5年
资格: Regular full-time and part-time faculty and staff, 居民 和同伴;* new homeowner within the 澳门威尼斯人网上赌场市†
数额: 每宗按揭$5,000
福利形式: Grant that is forgiven over 5年 if residency requirement is satisfied (see 还款表 下图)
金钱的使用: 首付款或成交费用
主要居住要求: 5年
工作要求: No
资格: Regular full-time and part-time faculty and staff, 居民 和同伴;* new homeowner within the 澳门威尼斯人网上赌场市†
数额: 每宗按揭$5,000
福利形式: Grant that is forgiven over 5年 if residency requirement is satisfied (see 还款表 下图)
金钱的使用: Down payment, closing costs, or escrow deposit
主要居住要求: 5年
工作要求: No
资格: Regular full-time and part-time faculty and staff, 居民 和同伴;* new homeowner within the 澳门威尼斯人网上赌场市†
数额: 每宗按揭$5,000
福利形式: 可原谅的格兰特
金钱的使用: 首付款或成交费用
主要居住要求: 是的
工作要求: No
资格: Regular full-time and part-time faculty and staff, 居民 和同伴;* new homeowner within the 澳门威尼斯人网上赌场市†
数额: 每宗按揭$5,000
福利形式: 银行信贷
金钱的使用: 成交成本或利率买断
主要居住要求: 是的
工作要求: No
资格: Regular full-time and part-time faculty and staff, 居民 和同伴;* new homeowner within the 澳门威尼斯人网上赌场市†
数额: 每宗按揭$5,000; tract must be Majority Minority Tract or Majority Minority Tract AND Low-and Moderate Income Tract, 取决于地点(访问) ffiec.政府 确认地区收入水平).
福利形式: 银行信贷
金钱的使用: 成交成本或利率买断
主要居住要求: 是的
工作要求: No
还款表
The benefit is provided through a non-interest-bearing loan that is forgiven if the requisite employment and residency requirements are satisfied. If you do not satisfy the requisite employment and residency requirements, you must repay the loan. The loan will remain as a lien against your home until it is repaid.
| 时间 | 五年还款比例 |
| 1st 月至24th 月 | 100% |
| 25th 月至36th 月 | 75% |
| 37th 月至48th 月 | 50% |
| 49th 月至60th 月 | 25% |
| 61st 月 | 0% |
To receive the University’s or City’s benefit, you must finance the purchase of your home through a participating bank/credit union and be approved for the 澳门威尼斯人网上赌场市’s Employer Assisted Housing Initiative (EAHI).
EOE Minorities/Females/Protected Veterans/Disabled
大学保留修改的权利, 修改, 或随时终止计划, 包括可能影响覆盖率的操作, 费用分摊, 或者保险福利, as well as benefits that are provided to current and future retirees.
* You are not eligible for the University 自置居所奖励计划 if you are a postdoctoral fellow, 博士后澳门威尼斯人网上赌场助理, 博士后助教, EDC副, 或者访问澳门威尼斯人网上赌场.
† Does not apply to current City homeowners whose primary residence is in the City.
‡ The loan is secured by a note and mortgage that obligate you to repay the loan to the University 和创建 a lien against your home as security for your repayment obligation. The $10,000 loan becomes taxable when and to the extent that it is forgiven.
如何开始
-
在线申请 and the Office of Total Rewards will verify your employment eligibility.
-
Contact the 澳门威尼斯人网上赌场市 for an application via email at homebuyer@cityofrochester.政府.
- 讨论抵押贷款的选择 参与计划出借人.
额外的资源
按揭房屋奖励计划
Several financial institutions in the Greater Rochester area are available to help the 澳门威尼斯人网上赌场’s full-time and part-time faculty and staff members through the mortgage process.
通过回答你的问题, 告诉你他们的住房激励措施, and explaining their specific mortgage options, you will be able to make an informed decision about what the best mortgage options are for you.
This program also offers special incentives for homebuyers in the 澳门威尼斯人网上赌场市.
家庭搜索和教育
找到你梦想中的家
Owning a home isn’t just about four walls and a roof. Do you want a backyard, or for someone to take care of all the maintenance for you? 你在找那种维多利亚风格的吗, 但是现代家庭, or is it most important to live on a street with lots of shops for your convenience? 好吧，看看 庆祝城市生活 网站，找到你的梦想家园!
援助 & 建议
Stressed out or confused about the home-buying process? Need a little advice or just want to take a class to make sure you’re doing everything right? Sign up for pre-purchase and post-purchase education classes at approved agencies*, 在家里买东西的时候，你可以做到最好.
*To be eligible for the 澳门威尼斯人网上赌场市’s grant, first-time home buyers are required to complete pre-purchase and post-purchase education classes at approved agencies. Contact the City for confirmation of approved agencies.