{"id":4156,"date":"2021-05-03T23:22:09","date_gmt":"2021-05-04T03:22:09","guid":{"rendered":"https:\/\/nhsgb.org\/?page_id=4156"},"modified":"2023-10-18T08:15:46","modified_gmt":"2023-10-18T12:15:46","slug":"home-repair-assistance","status":"publish","type":"page","link":"https:\/\/nhsgb.org\/home-repair-assistance\/","title":{"rendered":"My Life Program"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=&#8221;.vc_custom_1620099411636{padding-top: 40px !important;}&#8221;][vc_column]<div class=\"sunhouse-title slz-shortcode sunhouse-title-165184286067cbbeb6eb050 \"><h2 class=\"main-title\">MY LIFE Home Repair\/Debt Consolidation Assistance<\/h2><p class=\"sub-title\">Second Mortgage Guidelines<\/p><\/div>[vc_column_text]<\/p>\n<h2><span style=\"color: #13450c;\">OBJECTIVE<\/span><\/h2>\n<ul>\n<li>Neighborhood Housing Services of Greater Berks (NHSGBI) offers\u00a0Home Repair and Debt Consolidation Assistance Second Mortgage Program for qualified low to moderate income residents of PA.<\/li>\n<li>105% or lower of the Area Medium Income.<\/li>\n<li>Funds may be used for any purpose within home repairs and debt consolidation parameters.<\/li>\n<li>2 years of interest only payments<\/li>\n<li>Borrow up to 125% of what your home is worth \u2013 MUST BE A HOME OWNER<\/li>\n<li>$30,000 limit<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1620099411636{padding-top: 40px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text]<\/p>\n<h2><span style=\"color: #13450c;\">Eligible Properties:<\/span><\/h2>\n<p>1- unit Single family, owner occupied, principal residence.\u00a0 Property to be located within the <strong>Commonwealth of PA.<\/strong><\/p>\n<h2><span style=\"color: #13450c;\">Max and Min Loan Size:<\/span><\/h2>\n<p>$2,500 to $30,000<\/p>\n<h2><span style=\"color: #13450c;\">Maximum C L-T-V:<\/span><\/h2>\n<p><strong>125%<\/strong>.<\/p>\n<h2><span style=\"color: #13450c;\">Interest Only Period:<\/span><\/h2>\n<p>***OPTIONAL 24 months interest only period (extends term if selected.)<\/p>\n<h2><span style=\"color: #13450c;\">Interest Rate:<\/span><\/h2>\n<p>Contact NHS for Current Market Rates \u2013 Range is 8.990% to 10.990% based upon credit profile.<\/p>\n<table class=\"interest-rate-table\">\n<tbody>\n<tr>\n<th>SCORE<\/th>\n<th>RATES<\/th>\n<th>SCORE<\/th>\n<th>RATES<\/th>\n<\/tr>\n<tr>\n<td>761+<\/td>\n<td>8.990%<\/td>\n<td>681-700<\/td>\n<td>9.990%<\/td>\n<\/tr>\n<tr>\n<td>731-760<\/td>\n<td>9.250%<\/td>\n<td>661-680<\/td>\n<td>10.250%<\/td>\n<\/tr>\n<tr>\n<td>716-730<\/td>\n<td>9.500%<\/td>\n<td>641-660<\/td>\n<td>10.500%<\/td>\n<\/tr>\n<tr>\n<td>701-715<\/td>\n<td>9.750%<\/td>\n<td>621-640<\/td>\n<td>10.750%<\/td>\n<\/tr>\n<tr>\n<td class=\"empty\"><\/td>\n<td class=\"empty\"><\/td>\n<td>580-620<\/td>\n<td>10.990%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span style=\"color: #13450c;\">Financing terms:<\/span><\/h2>\n<p>5,7-,10-,15- or 20-year Terms<\/p>\n<h2><span style=\"color: #13450c;\">Income Ratios:<\/span><\/h2>\n<p><strong>Max 50%<\/strong><\/p>\n<h2><span style=\"color: #13450c;\">Collateral:<\/span><\/h2>\n<p>2<sup>nd<\/sup> position or greater lien recorded against collateral primary residence.<\/p>\n<h2><span style=\"color: #13450c;\">Credit Score:<\/span><\/h2>\n<p><strong>580\u00a0<\/strong>(case by case)<\/p>\n<h2><span style=\"color: #13450c;\">Fees:<\/span><\/h2>\n<p><strong>$1,100.00<\/strong> average closing cost NHS fees included with the loan.<\/p>\n<h2><span style=\"color: #13450c;\">Budget Counseling:<\/span><\/h2>\n<p>* Borrower to meet for at least one (1) hour with an NHS Housing\u00a0counselor individually.<\/p>\n<h2><span style=\"color: #13450c;\">Other Requirements:<\/span><\/h2>\n<p><strong>$99.00 Non-Refundable Application<\/strong> <strong>Fee<\/strong> (to cover third party costs.)<\/p>\n<h2><span style=\"color: #13450c;\">Credit Requirements:<\/span><\/h2>\n<p>No major derogatory credit in the last 12 months (1st Lender Guidelines)[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_empty_space][vc_column_text]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4191\" src=\"https:\/\/nhsgb.org\/wp-content\/uploads\/home-repairs-drilling.png\" alt=\"\" width=\"1000\" height=\"667\" srcset=\"https:\/\/nhsgb.org\/wp-content\/uploads\/home-repairs-drilling.png 1000w, https:\/\/nhsgb.org\/wp-content\/uploads\/home-repairs-drilling-300x200.png 300w, https:\/\/nhsgb.org\/wp-content\/uploads\/home-repairs-drilling-768x512.png 768w, https:\/\/nhsgb.org\/wp-content\/uploads\/home-repairs-drilling-600x400.png 600w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1622685964403{margin-top: 50px !important;margin-bottom: 80px !important;}&#8221;][vc_column el_class=&#8221;hra-form&#8221;]<a href=\"https:\/\/nhsgb.org\/intake-form-english\/\"   class=\"btn btn-blue btn-blue-26576286367cbbeb6eb3f8 blue-button\">Fill out our intake form to get started<\/a>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css=&#8221;.vc_custom_1620099411636{padding-top: 40px !important;}&#8221;][vc_column][vc_column_text] OBJECTIVE Neighborhood Housing Services of Greater Berks (NHSGBI) offers\u00a0Home Repair and Debt Consolidation Assistance Second Mortgage Program for qualified low to moderate income residents of PA. 105% or lower of the Area Medium Income. Funds may be used for any purpose within home repairs and debt consolidation parameters. 2 years of [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>My Life Program - Neighborhood Housing Services<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nhsgb.org\/home-repair-assistance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"My Life Program - Neighborhood Housing Services\" \/>\n<meta property=\"og:description\" content=\"[vc_row css=&#8221;.vc_custom_1620099411636{padding-top: 40px !important;}&#8221;][vc_column][vc_column_text] OBJECTIVE Neighborhood Housing Services of Greater Berks (NHSGBI) offers\u00a0Home Repair and Debt Consolidation Assistance Second Mortgage Program for qualified low to moderate income residents of PA. 105% or lower of the Area Medium Income. 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