{"id":275000,"date":"2023-10-11T16:46:50","date_gmt":"2023-10-11T20:46:50","guid":{"rendered":"https:\/\/www.miamibeachfl.gov\/?page_id=275000"},"modified":"2025-07-15T09:32:55","modified_gmt":"2025-07-15T13:32:55","slug":"firsttimehomebuyer","status":"publish","type":"page","link":"https:\/\/www.miamibeachfl.gov\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/firsttimehomebuyer\/","title":{"rendered":"Moun k ap achte kay pou premye fwa"},"content":{"rendered":"<h1>\n\t\t\tMoun k ap achte kay pou premye fwa\t<\/h1>\nLojman ak Kominote\t\t\t\n\t\t\t\t\t<ul id=\"menu-housing-and-community-services\"><li id=\"menu-item-273929\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/\">Kay H &amp; C<\/a><\/li>\n<li id=\"menu-item-273934\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/\">Lojman ak Kominote<\/a>\n<ul>\n\t<li id=\"menu-item-273935\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/community-development\/\">Devlopman Kominot\u00e8<\/a>\n\t<ul>\n\t\t<li id=\"menu-item-295056\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/community-development\/live-local-act-inventory-list\/\">Lis Envant\u00e8 Lwa Lokal An Dir\u00e8k<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li id=\"menu-item-273936\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/\/housing-services\/\">S\u00e8vis Lojman<\/a>\n\t<ul>\n\t\t<li id=\"menu-item-275063\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/firsttimehomebuyer\/\">Moun k ap achte kay pou premye fwa<\/a><\/li>\n\t\t<li id=\"menu-item-275064\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/ship\/\">BATO<\/a><\/li>\n\t\t<li id=\"menu-item-275065\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/fairhousing\/\">Lojman Jis<\/a><\/li>\n\t\t<li id=\"menu-item-335207\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/housing-program\/\">Pwogram Ranbousman Fr\u00e8 Aplikasyon Lwaye<\/a><\/li>\n\t<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-273937\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/residential-housing\/\">Lojman Rezidansy\u00e8l<\/a><\/li>\n<li id=\"menu-item-273933\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/homeless-outreach\/\">Asistans pou moun ki san kay<\/a><\/li>\n<li id=\"menu-item-273930\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/\">S\u00e8vis Kominot\u00e8 yo<\/a>\n<ul>\n\t<li id=\"menu-item-273931\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/elder-services\/\">S\u00e8vis pou Granmoun Aje yo<\/a>\n\t<ul>\n\t\t<li id=\"menu-item-279801\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/elder-services\/senior-centers\/\">Sant pou Granmoun Aje yo<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li id=\"menu-item-273932\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/youth-services\/\">S\u00e8vis pou J\u00e8n yo<\/a><\/li>\n\t<li id=\"menu-item-274595\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/#communityserviceslocations\">Kote yo<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\nLojman ak Kominote \u00d7\t\t\t\t\t\t<ul id=\"menu-housing-and-community-services-1\"><li id=\"menu-item-273929\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/\">Kay H &amp; C<\/a><\/li>\n<li id=\"menu-item-273934\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/\">Lojman ak Kominote<\/a>\n<ul>\n\t<li id=\"menu-item-273935\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/community-development\/\">Devlopman Kominot\u00e8<\/a>\n\t<ul>\n\t\t<li id=\"menu-item-295056\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/community-development\/live-local-act-inventory-list\/\">Lis Envant\u00e8 Lwa Lokal An Dir\u00e8k<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li id=\"menu-item-273936\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/\/housing-services\/\">S\u00e8vis Lojman<\/a>\n\t<ul>\n\t\t<li id=\"menu-item-275063\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/firsttimehomebuyer\/\">Moun k ap achte kay pou premye fwa<\/a><\/li>\n\t\t<li id=\"menu-item-275064\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/ship\/\">BATO<\/a><\/li>\n\t\t<li id=\"menu-item-275065\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/fairhousing\/\">Lojman Jis<\/a><\/li>\n\t\t<li id=\"menu-item-335207\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/housing-program\/\">Pwogram Ranbousman Fr\u00e8 Aplikasyon Lwaye<\/a><\/li>\n\t<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-273937\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/residential-housing\/\">Lojman Rezidansy\u00e8l<\/a><\/li>\n<li id=\"menu-item-273933\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/homeless-outreach\/\">Asistans pou moun ki san kay<\/a><\/li>\n<li id=\"menu-item-273930\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/\">S\u00e8vis Kominot\u00e8 yo<\/a>\n<ul>\n\t<li id=\"menu-item-273931\" aria-haspopup=\"true\"><a aria-expanded=\"false\" href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/elder-services\/\">S\u00e8vis pou Granmoun Aje yo<\/a>\n\t<ul>\n\t\t<li id=\"menu-item-279801\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/elder-services\/senior-centers\/\">Sant pou Granmoun Aje yo<\/a><\/li>\n\t<\/ul>\n<\/li>\n\t<li id=\"menu-item-273932\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/youth-services\/\">S\u00e8vis pou J\u00e8n yo<\/a><\/li>\n\t<li id=\"menu-item-274595\"><a href=\"\/ht\/city-hall\/housing-and-community-development\/community-services\/#communityserviceslocations\">Kote yo<\/a><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\n\t<p>Pwogram Moun k ap Achte Kay pou Premye Fwa nan Florid la f\u00e8t pou ede moun oswa fanmi ki kalifye yo achte premye kay yo. Vil Miami Beach bay rezidan ki gen revni ki ba anpil, ki ba ak ki modere asistans pou peman inisyal pou achte premye kay yo. Lajan yo bay rezidan ki kalifye yo garanti pa yon garanti privil\u00e8j ak yon ak\u00f2 restriksyon, ki garanti lajan Vil la ke yo padone apre 15 an. Si yon pwopriyet\u00e8 kay vann, lwe, oswa refinanse pwopriyete li, oswa pwopriyete a pa rezidans prensipal li ank\u00f2 anvan pery\u00f2d ab\u00f2dablite 15 an an, li dwe rem\u00e8t Vil la val\u00e8 asistans lan.\u00a0<\/p>\n<p>Fon pwogram nan depann de disponiblite epi yo pral libere dapre distribisyon kalifikasyon revni ki neses\u00e8 pou chak sous finansman.<\/p>\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/familylookingatcomputer-circle.jpeg\" alt=\"familylookingatcomputer\" title=\"fanmi ap gade \u00f2dinat\u00e8\" itemprop=\"image\"\/>\n\t\t<h2>\n\t\t\tBenefis Pwogram yo\t<\/h2>\n\t<p>Pwogram pou Moun k ap Achte Kay pou Premye Fwa nan Miami Beach yo ka ofri plizy\u00e8 avantaj, tankou: <\/p>\n\t\t\t<h3> Asistans pou Peman Inisyal:<\/h3> <p>Pwogram nan ka bay asistans finansy\u00e8 bay acht\u00e8 kay ki kalifye yo pou kouvri yon p\u00f2syon nan peman inisyal yo oswa depans f\u00e8mti yo.<\/p>\t\t\n\t\t\t<h3> Pr\u00e8 ak yon to enter\u00e8 ki ba:<\/h3> <p>Pwogram nan ka ofri pr\u00e8 ak yon to enter\u00e8 ki pi ba pase sa ki nan mache a pou f\u00e8 pwopriyete kay la pi ab\u00f2dab.<\/p>\t\t\n\t\t\t<h3> Edikasyon pou acht\u00e8 kay:<\/h3> <p>Kou f\u00f2masyon obligatwa pou acht\u00e8 kay yo bay kons\u00e8y sou pwosesis achte kay la ak jesyon finansye.<\/p>\t\t\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/bb-plugin\/cache\/couplewithhousekey3-scaled-circle.jpeg\" alt=\"first time home owners\" title=\"J\u00e8n koup ki kontan ap resevwa kle nouvo kay yo a.\" itemprop=\"image\"\/>\n\t\t<h2>\n\t\t\tElijibilite\t<\/h2>\n\t<p>Vil la itilize fon Pwogram Patenarya Inisyativ Lojman Eta a (SHIP) pou Pwogram Moun ki Pwopriyet\u00e8 Kay pou Premye Fwa li a. Pwogram nan bay asistans pou peman davans bay rezidan ki kalifye selon revni yo epi ki pa janm posede pw\u00f2p kay pa yo. Fon SHIP yo egzije pou fon yo bay priyorite pou s\u00e8vis pou fanmi ki gen revni tr\u00e8 ba ak ki gen revni ki ba. Selon direktiv SHIP yo, omwen 30 pousan nan fon yo dwe rez\u00e8ve pou sibvansyon pou moun ki gen revni ki ba anpil, epi omwen yon l\u00f2t 30 pousan nan fon yo dwe rez\u00e8ve pou sibvansyon pou moun ki gen revni ki ba.<\/p>\n\t\t\t<h3> Vil la pral pran an kont direktiv sa yo l\u00e8 l ap det\u00e8mine kalifikasyon pou pwogram nan.<\/h3> <ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"81\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><p><strong>&quot;Moun ki gen yon revni ki ba anpil&quot; oswa &quot;kay ki gen yon revni ki ba anpil&quot;<\/strong> vle di youn oubyen plizy\u00e8 moun fizik oubyen yon fanmi ki gen yon revni brit any\u00e8l total nan kay la ki pa depase 50 pousan nan revni medy\u00e0n any\u00e8l la, ajiste pou gwos\u00e8 fanmi an, pou kay ki nan z\u00f2n estatistik metwopolit\u00e8n nan.<\/p><\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"81\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><strong>&quot;Moun ki gen ti revni&quot; oswa &quot;kay ki gen ti revni&quot;<\/strong> vle di youn oubyen plizy\u00e8 moun fizik oubyen yon fanmi ki gen yon revni brit any\u00e8l total nan kay la ki pa depase 80 pousan nan revni medy\u00e0n any\u00e8l la, ajiste pou gwos\u00e8 fanmi an, pou kay ki nan z\u00f2n estatistik metwopolit\u00e8n nan.<\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"81\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><strong>&quot;Moun ki gen revni modere&quot; oswa &quot;kay ki gen revni modere&quot;<\/strong> vle di youn oubyen plizy\u00e8 moun fizik oubyen yon fanmi ki gen yon revni brit any\u00e8l total nan kay la ki pa depase 120 pousan nan revni medy\u00e0n any\u00e8l la, ajiste pou gwos\u00e8 fanmi an, pou kay ki nan z\u00f2n estatistik metwopolit\u00e8n nan.<\/li><\/ul>\t\t\n\t\t\t<h3> Pwosesis Aplikasyon an:<\/h3> <p>Pwosesis aplikasyon pou Pwogram Moun k ap Achte Kay pou Premye Fwa nan Miami Beach anjeneral gen ladan etap sa yo:<\/p><ul><li><strong>Ranpli yon F\u00f2masyon pou Moun k ap Achte Kay pou Premye Fwa<\/strong> nan sis (6) mwa anvan aplikasyon an nan Vil la.<\/li><\/ul><ul><li><strong>Bay yon minim\u00f2m de (2) pousan<\/strong> val\u00e8 pwopriyete sib la nan pw\u00f2p fon yo k\u00f2m yon depo inisyal<\/li><li>peman. Lajan sa yo dwe dokimante endepandamman.<\/li><li><strong>Jwenn apwobasyon ipot\u00e8k<\/strong> nan men yon bank oswa yon kredit\u00e8 ipot\u00e8k ki asire pa FDIC pou val\u00e8 balans pwopriyete potansy\u00e8l la (pri acha - [peman inisyal pwopriyet\u00e8 a bay - sibvansyon Vil la] epi gen yon N\u00f2t FICO ki kalifye.<\/li><li><strong><a href=\"https:\/\/www.miamibeachfl.gov\/wp-content\/uploads\/2024\/12\/Click-here-for-a-list-of-Miami-Dade-County-Approved-Lenders.pdf\">Klike la a pou yon lis pr\u00e8teur apwouve nan Konte Miami-Dade.<\/a><\/strong><\/li><li><strong>Bay pr\u00e8v revni ak byen<\/strong> ansanm ak depans pou tout manm kay ki aplike a.<\/li><li><strong>Bay pr\u00e8v rezidans<\/strong> nan Konte Miami-Dade.<\/li><li><strong>Ranpli yon Aplikasyon pou Moun k ap Achte Kay pou Premye Fwa<\/strong> av\u00e8k presizyon e n\u00e8t.<\/li><\/ul><ul><li><strong>Achte yon kay ki kalifye<\/strong> nan Vil Miami Beach la.<\/li><\/ul>\t\t\n\t\t\t<h3> Enf\u00f2masyon sou Pwogram nan:<\/h3> <p><a href=\"\/wp-content\/uploads\/2024\/07\/Firsttime-Homebuyer-Program-Overview-2024.pdf\" target=\"_blank\" rel=\"noopener\">Ap\u00e8si sou Pwogram nan<\/a><\/p>\t\t\n\t<h2  id=\"cdbg\">\n\t\t\tTout aplikasyon ak dokiman sip\u00f2 yo dwe soum\u00e8t sou ent\u00e8n\u00e8t atrav\u00e8:\t<\/h2>\n\t\t\t<a href=\"https:\/\/portal.neighborlysoftware.com\/MIAMIBEACHFL\/Participant\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t\tP\u00f2tal Aplikasyon\n\t\t\t<\/a>\n\t<p>Tanpri itilize navigat\u00e8 Chrome ak Safari yo, paske lyen an pa mache sou Internet Explorer. Ou ap bezwen enskri ak Neighborly Software anvan ou soum\u00e8t yon aplikasyon epi aplikasyon an ta dwe pran jiska 10 minit pou konplete. Yon fwa ou soum\u00e8t aplikasyon an (via lyen an oswa an p\u00e8s\u00f2n), y ap kontakte w pou pran yon randevou pou revize aplikasyon an epi siyen f\u00f2mil\u00e8 konsantman yo.\u00a0<\/p>\n\t<p><strong>Tanpri sonje gen yon lis datant kounye a. Pou aplike pou lis datant lan, ou ka voye aplikasyon w lan byen ranpli epi siyen pa im\u00e8l bay <i><a href=\"mailto:ship@miamibeachfl.gov\" target=\"_blank\" rel=\"noreferrer noopener\">bato@miamibeachfl.gov<\/a>.<\/i><\/strong><\/p>\n<h2  id=\"cdbg\">\n\t\t\tDokiman obligatwa yo\t<\/h2>\n\t<p>Men yon lis verifikasyon bagay ou bezwen pou konplete pwosesis aplikasyon an. Vil la rez\u00e8ve dwa pou verifye tout enf\u00f2masyon yo bay epi pou mande yon rap\u00f2 kredi konfidansy\u00e8l pou det\u00e8mine si w kalifye pou pwogram nan. Si w soum\u00e8t enf\u00f2masyon ki fo oswa ki pa k\u00f2r\u00e8k, sa ka lak\u00f2z ou pa kalifye pou pwogram nan.<\/p>\n\t\t\t<h3> Kopi yon py\u00e8s idantifikasyon valab ki soti nan leta pou moun ki pral vin pwopriyet\u00e8 kay la.<\/h3>\t\t\n\t\t\t<h3> Kopi kat Sekirite Sosyal pou moun ki pral vin pwopriyet\u00e8 kay la ak l\u00f2t manm nan kay la.<\/h3>\t\t\n\t\t\t<h3> Pr\u00e8v revni ak depans pou moun ki pral pwopriyet\u00e8 kay la ak tout l\u00f2t moun k ap viv nan kay aplikan an.<\/h3>\t\t\n\t\t\t<h3> Kopi yon b\u00f2dwo s\u00e8vis piblik FPL oswa yon l\u00f2t b\u00f2dwo s\u00e8vis piblik pou sis (6) d\u00e8nye mwa yo.<\/h3>\t\t\n\t\t\t<h3> Kopi deklarasyon taks federal sou revni de ane anvan yo ki siyen pou tout moun ki vle vin pwopriyet\u00e8 kay.<\/h3>\t\t\n\t\t\t<h3> Kopi d\u00e8nye deklarasyon labank sis (6) mwa yo pou tout kont potansy\u00e8l pwopriyet\u00e8 kay yo.<\/h3>\t\t\n\t\t\t<h3> S\u00e8tifika konpleksyon pou F\u00f2masyon pou Moun k ap Achte Kay pou Premye Fwa a jwenn nan sis (6) mwa apre aplikasyon an.<\/h3>\t\t\n\t\t\t<h3> L\u00e8t apwobasyon ipot\u00e8k nan men yon bank oswa yon kredit\u00e8 ipot\u00e8k ki asire pa FDIC pou val\u00e8 pwopriyete a mwens peman inisyal pwopriyet\u00e8 kay la ak asistans Vil la epi ou dwe gen yon N\u00f2t FICO ki kalifye. <\/h3>\t\t\n\t<h2  id=\"cdbg\">\n\t\t\tKesyon yo poze souvan\t<\/h2>\n\t\t\t\t\t\t<h3>Kisa yon moun k ap achte yon kay pou premye fwa ye?<\/h3>\n\t\t\t<p>Yon moun k ap achte kay pou premye fwa tipikman defini k\u00f2m yon moun ki pa posede yon kay nan twa d\u00e8nye ane yo.\u00a0<\/p>\n\t\t\t\t\t\t<h3>Ki sa ki kondisyon revni pou kalifye pou Pwogram Moun k ap achte kay pou premye fwa a?<\/h3>\n\t\t\t<p>Li enp\u00f2tan pou sonje limit revni yo ka varye selon pwogram espesifik la epi yo ka chanje sou tan. Li rek\u00f2mande pou tcheke av\u00e8k pwogram espesifik la pou jwenn enf\u00f2masyon ki pi ajou kons\u00e8nan limit revni yo.\u00a0<\/p>\n<p>Limit revni pou pwogram pou moun k ap achte kay pou premye fwa nan Miami Beach ka varye selon pwogram espesifik la ak kantite moun ki nan kay la. <\/p>\n<p><a href=\"https:\/\/www.miamidade.gov\/global\/housing\/income-limits.page\">&gt; Gade limit revni jeneral yo ki baze sou revni medy\u00e0n z\u00f2n nan (AMI) pou Konte Miami-Dade<\/a><\/p>\n\t\t\t\t\t\t<h3>Konbyen Asistans pou Peman Inisyal mwen ka resevwa atrav\u00e8 Pwogram nan?<\/h3>\n\t\t\t<p>Moun ki vle vin pwopriyet\u00e8 kay yo ka resevwa ant $40,000 ak $150,000 k\u00f2m asistans pou peman inisyal, selon revni kay yo epi jan sa dekri nan Plan Asistans Lojman Lokal Vil la (LHAP), selon disponiblite lajan. Moun ki vle vin pwopriyet\u00e8 kay yo dwe rete nan kay y ap ch\u00e8che asistans lan. Pou raple nou, moun ki vle vin pwopriyet\u00e8 kay yo dwe bay omwen de (2) pousan nan val\u00e8 pwopriyete sib la nan pw\u00f2p lajan yo k\u00f2m peman inisyal. Yo bay rezidan ki kalifye yo lajan an k\u00f2m yon pr\u00e8 ranvwayab ki garanti pa yon privil\u00e8j ak yon ak\u00f2 restriksyon sou pwopriyete a. Si pwopriyet\u00e8 kay la kontinye rete nan kay li pandan 15 an, yo padone tout montan an. Si pwopriyet\u00e8 kay la vann, lwe, oswa refinanse pwopriyete li, oswa si pwopriyete a pa rezidans prensipal li ank\u00f2 anvan pery\u00f2d ab\u00f2dablite 15 an an, li dwe rem\u00e8t Vil la val\u00e8 asistans lan plis patisipasyon pwofi ki aplikab la, jan sa endike nan Ak\u00f2 Restriksyon ak Ipot\u00e8k ki siyen nan moman yo te bay pwogram nan ak akizisyon pwopriyete a. Tanpri sonje tou ke direktiv SHIP yo egzije pou yon p\u00f2syon nan fon yo ak\u00f2de yo dwe itilize pou depans ki gen rap\u00f2 ak konstriksyon. Fon pwogram nan depann de disponiblite epi yo pral lage yo an ak\u00f2 ak distribisyon kalifikasyon revni ki neses\u00e8 pou chak sous finansman.<\/p>\n\t\t\t\t\t\t<h3>\u00c8ske mwen oblije mete nenp\u00f2t nan lajan mwen nan achte kay la?<\/h3>\n\t\t\t<p>Wi, moun ki vle vin pwopriyet\u00e8 kay yo dwe kontribye omwen de (2) pousan nan val\u00e8 pwopriyete a k\u00f2m peman davans l\u00e8 yo fin f\u00e8 tranzaksyon an. Pwopriyete ki resevwa asistans pa ka s\u00e8vi k\u00f2m pwopriyete pou lwe.\u00a0<\/p>\n\t\t\t\t\t\t<h3>\u00c8ske mwen oblije rem\u00e8t asistans pou peman inisyal la?<\/h3>\n\t\t\t<p>Non, ou pa oblije rem\u00e8t lajan an toutotan pwopriyete a rete k\u00f2m rezidans aplikan an pandan pery\u00f2d ab\u00f2dablite 15 ane a. Sepandan, ou dwe asire w ke pwopriyete w la kontinye konf\u00f2me li av\u00e8k tout r\u00e8gleman Konf\u00f2mite K\u00f2d la ak Depatman Konstriksyon an pandan pery\u00f2d ab\u00f2dablite a. Si yon pwopriyet\u00e8 kay vann, lwe, oswa refinanse pwopriyete li, oswa si pwopriyete a pa rezidans prensipal la ank\u00f2 anvan fen pery\u00f2d ab\u00f2dablite 15 ane a, li dwe rem\u00e8t Vil la val\u00e8 asistans lan plis patisipasyon nan pwofi ki aplikab yo, jan sa defini nan Plan Asistans Lojman Lokal Vil la (LHAP).<\/p>\n<p>Wi, moun ki vle vin pwopriyet\u00e8 kay yo dwe kontribye omwen de (2) pousan nan val\u00e8 pwopriyete a k\u00f2m peman davans l\u00e8 yo fin f\u00e8 tranzaksyon an. Pwopriyete ki resevwa asistans pa ka s\u00e8vi k\u00f2m pwopriyete pou lwe.<\/p>\n\t\t\t\t\t\t<h3>Kijan m ka konnen si m kalifye pou Pwogram Moun k ap achte kay pou premye fwa a?<\/h3>\n\t\t\t<p>Pou det\u00e8mine si yo kalifye, acht\u00e8 kay yo ta dwe f\u00e8 rech\u00e8ch sou pwogram espesifik ki disponib nan z\u00f2n yo a epi revize direktiv pwogram nan. Yo ka bezwen bay dokiman tou, tankou verifikasyon revni ak n\u00f2t kredi, pou det\u00e8mine si yo kalifye.\u00a0<\/p>\n\t\t\t\t\t\t<h3>\u00c8ske mwen ka itilize Pwogram Moun k ap achte kay pou premye fwa a pou achte nenp\u00f2t kalite kay?<\/h3>\n\t\t\t<p>Kalite kay ou ka achte a ka varye selon pwogram nan. Gen k\u00e8k pwogram ki ka gen egzijans espesifik pou kalite kay la, tankou kote li ye a oswa gwos\u00e8 li. Li rek\u00f2mande pou w verifye ak pwogram espesifik la pou plis enf\u00f2masyon.<\/p>\n<p>\u00a0<\/p>\n\t\t\t\t\t\t<h3>Kisa yon kou f\u00f2masyon pou acht\u00e8 kay ye?<\/h3>\n\t\t\t<p>Anjeneral, pwogram pou moun k ap achte kay pou premye fwa egzije yon kou f\u00f2masyon pou acht\u00e8 kay. Kou sa a bay kons\u00e8y sou pwosesis achte kay la, tankou konprann kredi, bidj\u00e8, ak etap ki enplike nan achte yon kay.\u00a0<\/p>\n\t\t\t\t\t\t<h3>\u00c8ske mwen ka aplike pou plizy\u00e8 pwogram pou moun ki achte kay pou premye fwa?<\/h3>\n\t\t\t<p>Moun k ap achte kay yo ka kapab aplike pou plizy\u00e8 pwogram pou moun k ap achte kay pou premye fwa. Sepandan, yo ta dwe konnen egzijans ak direktiv espesifik pou chak pwogram epi det\u00e8mine si yo satisf\u00e8 kondisyon kalifikasyon pou chak pwogram.\u00a0<\/p>\n\t\t\t\t\t\t<h3>E si m gen plis kesyon ki pa jwenn repons isit la?<\/h3>\n\t\t\t<p>Si ou gen nenp\u00f2t kesyon, tanpri kontakte Biwo S\u00e8vis Kominot\u00e8 Vil la nan 305-673-7491 oubyen voye kesyon ou a pa im\u00e8l bay Kow\u00f2dinat\u00e8 Pwogram HOME\/SHIP la nan <a href=\"mailto:marcelarubio@miamibeachfl.gov\" target=\"_blank\" rel=\"noreferrer noopener\">marcelarubio@miamibeachfl.gov<\/a>.\u00a0<\/p>\n\t\t\t\t\t\t<h3>Ki kote pou m soum\u00e8t aplikasyon konpl\u00e8 yo?<\/h3>\n\t\t\t<p>Ou dwe soum\u00e8t aplikasyon konpl\u00e8 yo an p\u00e8s\u00f2n nan Biwo Lojman ak S\u00e8vis Kominot\u00e8 ki sitiye nan 765 17th street Miami Beach, FL 33139. Biwo a ouv\u00e8 Lendi jiska Vandredi (eksepte jou ferye legal yo), 8:30 am pou rive 12:00 pm ak 1:00 pm pou rive 5:00 pm. Pou plis enf\u00f2masyon, tanpri rele 305.673.7491.<\/p>\n\t\t\t\t\t\t<h3>T\u00e8m kle SHIP ak referans regilasyon yo<\/h3>\n\t\t\t<p><b>&quot;Ab\u00f2dab&quot;<\/b> vle di ke lwaye mansy\u00e8l oswa peman ipot\u00e8k mansy\u00e8l ki gen ladan taks ak asirans pa depase 30 pousan nan montan sa a ki reprezante pousantaj revni brit any\u00e8l medy\u00e0n pou kay yo jan sa endike nan sou-seksyon (19), sou-seksyon (20), oswa sou-seksyon (28). Sepandan, se pa entansyon pou limite kapasite yon kay endividy\u00e8l pou konsakre plis pase 30 pousan nan revni li pou lojman, epi lojman pou ki yon kay konsakre plis pase 30 pousan nan revni li dwe konsidere k\u00f2m ab\u00f2dab si premye kredit\u00e8 ipot\u00e8k enstitisyon\u00e8l la satisf\u00e8 ke kay la kapab peye peman ipot\u00e8k ki depase referans 30 pousan an.\u00a0<\/p>\n<p><b>&quot;Lojman ki kalifye&quot; <\/b>vle di nenp\u00f2t byen imobilye ak m\u00e8b ki sitiye nan konte a oswa minisipalite ki kalifye a, ki f\u00e8t ak gen entansyon pou prensipal objektif pou bay inite rezidansy\u00e8l desan, an sekirite, ak ijyenik ki f\u00e8t pou satisf\u00e8 estanda K\u00f2d Konstriksyon Florid la oswa k\u00f2d konstriksyon anvan yo te adopte anba chapit 553, oswa lojman prefabrike ki te konstwi apre jen 1994 epi enstale an ak\u00f2 ak estanda enstalasyon pou kay mobil oswa prefabrike ki nan r\u00e8gleman Depatman Sekirite Otowout ak Veyikil Mot\u00e8, pou pwopriyet\u00e8 kay oswa lokasyon pou moun ki kalifye jan chak konte oswa minisipalite ki kalifye k ap patisipe nan Pwogram Patenarya Inisyativ Lojman Eta a deziyen.\u00a0<\/p>\n<p><b>&quot;Moun ki kalifye&quot; oswa &quot;kay ki kalifye&quot;<\/b> vle di youn oubyen plizy\u00e8 moun fizik oubyen yon fanmi ke konte a oubyen minisipalite ki kalifye a det\u00e8mine k\u00f2m moun ki gen yon revni ki ba anpil, yon revni ki ba, oubyen yon revni modere dapre limit revni yo ajiste selon gwos\u00e8 fanmi an ke Depatman Lojman ak Devlopman Iben Etazini pibliye chak ane, baze sou revni brit any\u00e8l kay la.\u00a0<\/p>\n<p><b>&quot;Pr\u00e8&quot;<\/b> vle di yon sibvansyon ki soti nan fon konfyans asistans lojman lokal la bay yon moun ki kalifye pou finanse an pati akizisyon, konstriksyon oswa reyabilitasyon lojman kalifye av\u00e8k egzijans pou ranbousman oswa dispozisyon pou padone ranbousman an si kondisyon sibvansyon an kenbe.\u00a0<\/p>\n<p><b>&quot;Moun ki gen ti revni&quot; oswa &quot;kay ki gen ti revni&quot;<\/b> vle di youn oubyen plizy\u00e8 moun natir\u00e8l oubyen yon fanmi ki gen yon revni brit any\u00e8l total kay la ki pa depase 80 pousan nan revni any\u00e8l medy\u00e0n ajiste pou gwos\u00e8 fanmi an pou kay ki nan z\u00f2n estatistik metwopolit\u00e8n nan, konte a, oubyen medy\u00e0n ki pa metwopolit\u00e8n pou eta a, k\u00e8lkeswa montan ki pi gran an. Anrap\u00f2 ak inite lokasyon yo, revni any\u00e8l kay ki gen ti revni an nan moman premye okipasyon an pa ka depase 80 pousan nan revni medy\u00e0n z\u00f2n nan ajiste pou gwos\u00e8 fanmi an. Pandan y ap okipe inite lokasyon an, revni any\u00e8l yon kay ki gen ti revni ka ogmante rive nan yon montan ki pa depase 140 pousan nan 80 pousan nan revni medy\u00e0n z\u00f2n nan ajiste pou gwos\u00e8 fanmi an.\u00a0<\/p>\n<p><b>&quot;Pri lavant&quot; oswa &quot;val\u00e8&quot;<\/b> vle di, nan ka akizisyon yon inite ki deja egziste oswa ki f\u00e8k konstwi, montan ki sou kontra lavant ki siyen an. Pou moun ki kalifye k ap bati yon inite sou yon t\u00e8 ki pou yo, pri lavant lan det\u00e8mine pa yon evalyasyon ki f\u00e8t pa yon evalyat\u00e8 s\u00e8tifye pa leta. Evalyasyon an dwe gen ladan val\u00e8 t\u00e8 a ak amelyorasyon yo l\u00e8 l s\u00e8vi av\u00e8k val\u00e8 pwopriyete a apre konstriksyon epi li dwe date nan lespas 12 mwa apati dat konstriksyon an dwe k\u00f2manse. Pri lavant nenp\u00f2t inite dwe gen ladan val\u00e8 t\u00e8 a pou kalifye k\u00f2m lojman kalifye jan sa defini nan sou-seksyon (8) la.\u00a0\u00a0<\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"79\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Nan ka reyabilitasyon oswa reparasyon ijans nan yon inite ki deja egziste ki pa kreye plis espas pou viv, pri lavant oswa val\u00e8 a vle di val\u00e8 byen imobilye a, jan yon evalyasyon ki f\u00e8t pa yon evalyat\u00e8 s\u00e8tifye pa leta a det\u00e8mine li epi ki date nan lespas 12 mwa apati dat konstriksyon an dwe k\u00f2manse oswa val\u00e8 evalye byen imobilye a jan evalyat\u00e8 pwopriyete konte a det\u00e8mine li.\u00a0\u00a0<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"79\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\">Nan ka reyabilitasyon yon inite ki deja egziste ki gen ladan adisyon yon nouvo espas pou viv, pri lavant oswa val\u00e8 vle di val\u00e8 byen imobilye a, jan yon evalyasyon yon evalyat\u00e8 s\u00e8tifye pa leta f\u00e8 det\u00e8mine li epi ki date nan lespas 12 mwa apati dat konstriksyon an dwe k\u00f2manse oswa val\u00e8 evalye byen imobilye a jan evalyat\u00e8 pwopriyete konte a det\u00e8mine li, plis pri amelyorasyon yo nan toulede ka.\u00a0<\/li>\n<\/ul>\n<p><b>&quot;Moun ki gen yon revni ki ba anpil&quot; oswa &quot;kay ki gen yon revni ki ba anpil&quot;<\/b> vle di youn oubyen plizy\u00e8 moun fizik oubyen yon fanmi ki gen yon revni brit any\u00e8l total kay la ki pa depase 50 pousan nan revni any\u00e8l medy\u00e0n ajiste pou gwos\u00e8 fanmi an pou kay ki nan z\u00f2n estatistik metwopolit\u00e8n nan, konte a, oubyen medy\u00e0n ki pa metwopolit\u00e8n pou eta a, k\u00e8lkeswa sa ki pi gran an. Anrap\u00f2 ak inite lokasyon yo, revni any\u00e8l kay ki gen revni ki ba anpil la nan moman premye okipasyon an pa ka depase 50 pousan nan revni medy\u00e0n z\u00f2n nan ajiste pou gwos\u00e8 fanmi an. Pandan y ap okipe inite lokasyon an, revni any\u00e8l yon kay ki gen revni ki ba anpil ka ogmante rive nan yon montan ki pa depase 140 pousan nan 50 pousan nan revni medy\u00e0n z\u00f2n nan ajiste pou gwos\u00e8 fanmi an.\u00a0<\/p>\n<p><b>Distribisyon Fon<\/b>\u00a0<\/p>\n<p>Omwen 30 pousan nan lajan ki depoze nan fon konfyans asistans lojman lokal la dwe rez\u00e8ve pou sibvansyon pou moun ki gen ti revni oswa moun ki patwone yo kalifye ki pral s\u00e8vi moun ki gen ti revni epi omwen yon l\u00f2t 30 pousan nan lajan ki depoze nan fon konfyans asistans lojman lokal la dwe rez\u00e8ve pou sibvansyon pou moun ki gen ti revni oswa moun ki patwone yo kalifye ki pral s\u00e8vi moun ki gen ti revni.\u00a0<\/p>\n<p><b>Dire T\u00e8m Pr\u00e8 yo<\/b>\u00a0<\/p>\n<p>Yo dwe bay pr\u00e8 pou yon pery\u00f2d ki pa depase 30 ane, eksepte pou pr\u00e8 ak peman ranvwaye oswa pr\u00e8 ki pwolonje plis pase 30 ane ki kontinye s\u00e8vi moun ki kalifye yo.\u00a0\u00a0<\/p>\n<p><b>Pri lavant maksim\u00f2m<\/b>\u00a0<\/p>\n<p>Pri lavant maksim\u00f2m oswa val\u00e8 pa inite ak prim maksim\u00f2m pa inite pou lojman kalifye ki benefisye de prim yo bay dapre seksyon sa a dwe etabli nan plan asistans lojman lokal la.\u00a0\u00a0<\/p>\n<p><b>Rap\u00f2te bay Eta a<\/b>\u00a0<\/p>\n<p>Chak konte oswa minisipalite ki kalifye dwe soum\u00e8t bay k\u00f2porasyon an, anvan 15 septanm chak ane, yon rap\u00f2 sou pwogram lojman ab\u00f2dab li yo ak reyalizasyon li yo jiska 30 jen, touswit anvan soum\u00e8t rap\u00f2 a. Ch\u00e8f ofisy\u00e8l eli gouv\u00e8nman lokal la oswa moun li deziyen an dwe s\u00e8tifye rap\u00f2 a k\u00f2m egzat epi konpl\u00e8. Transmisyon rap\u00f2 any\u00e8l la pa yon ch\u00e8f ofisy\u00e8l eli nan konte a oswa yon minisipalite ki kalifye, oswa moun li deziyen an, s\u00e8tifye ke estrateji ankourajman lojman lokal yo, oswa, si sa aplikab, plan ankourajman lojman lokal la, te aplike oswa yo nan pwosesis pou yo aplike dapre kalandriye ki te adopte pou aplikasyon an. Rap\u00f2 a dwe gen ladan, men li pa limite a: (a) Kantite kay ki s\u00e8vi pa kategori revni, laj, gwos\u00e8 fanmi, ak ras, ak done kons\u00e8nan nenp\u00f2t popilasyon ki gen bezwen espesyal tankou travay\u00e8 agrik\u00f2l, moun ki san kay, moun ki andikape, ak granmoun aje yo. Konte yo dwe rap\u00f2te enf\u00f2masyon sa a separeman pou kay ki s\u00e8vi nan z\u00f2n ki pa enk\u00f2pore a ak chak minisipalite nan konte a.<\/p>","protected":false},"excerpt":{"rendered":"<p>Moun k ap achte kay pou premye fwa Lojman ak kominote H &amp; C Kay Lojman ak kominote Devlopman kominot\u00e8 Lis envant\u00e8 lwa lokal an dir\u00e8k [\u2026]<\/p>","protected":false},"author":222,"featured_media":0,"parent":274903,"menu_order":29,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_searchwp_excluded":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[],"tags":[],"class_list":["post-275000","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>First Time Homebuyer - City of Miami Beach<\/title>\n<meta name=\"description\" content=\"The First-time Homebuyer Program in Florida is designed to assist eligible individuals or families in purchasing their first home. The City of Miami Beach provides very-low, low- and moderate-income residents with down payment assistance to purchase their first home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.miamibeachfl.gov\/ht\/city-hall\/housing-and-community-development\/housing-and-community\/housing-services\/firsttimehomebuyer\/\" \/>\n<meta property=\"og:locale\" content=\"ht_HT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"First Time Homebuyer\" \/>\n<meta property=\"og:description\" content=\"The First-time Homebuyer Program in Florida is designed to assist eligible individuals or families in purchasing their first home. 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