Supporting Sustainable Homeownership Through Housing Finance Agency Partnerships
Supporting Sustainable Homeownership Through Housing Finance Agency Partnerships
U.S. Bank partners with 40+ government agencies to originate and service HFA loans designed to address first-time homebuyer needs
美國銀行與40多個政府機構合作，發起和服務hfa貸款，旨在滿足首次購房者的需求。
NORTHAMPTON, MA / ACCESSWIRE / June 26, 2024 / U.S. Bank
Originally published on U.S. Bank company blog
馬薩諸塞州北安普頓 / ACCESSWIRE / 2024年6月26日 / 美國銀行
最初發佈於U.S.銀行公司博客上
Each year, state and local housing finance agencies work to strengthen their communities with homeownership opportunities via Housing Finance Agency (HFA) loans, which help pair credit-qualified borrowers with downpayment and closing cost assistance.
每年，州和地方住房金融機構通過住房金融機構（hfa）貸款，旨在通過協助符合信用條件的借款人獲得首付和結算成本援助來增強他們的社區的業主權機會。
HFA loans can open the door to homebuying for first-time and low-to-moderate homebuyers. U.S. Bank partners with more than 40 state and local housing finance agencies to originate and service these loans, stretching geographically from Alaska to Florida.
hfa貸款可以爲首次購房者和低收入到中等收入購房者敞開大門。美國銀行與40多個州和地方住房金融機構合作，發起和服務這些貸款，地理範圍從阿拉斯加到佛羅里達。
"At U.S. Bank, we've had a long-standing commitment to increase access to sustainable homeownership," said James Coreno, HFA division manager at U.S. Bank. "By partnering with state and local agencies, together we can help address the homeownership and housing issues affecting their state or local area."
"在美國銀行，我們一直致力於增加可持續的住房擁有權，"美國銀行hfa分部經理詹姆斯·科雷諾說。"通過與州和地方機構合作，我們可以幫助解決影響他們州或本地區的房屋購買和住房問題。"
In some cases, an HFA loan is originated by other local lenders that work closely with the local housing agencies offering the loan product in partnership with Fannie Mae, Freddie Mac and Ginnie Mae.
在某些情況下，由其他當地貸款人發起HFA貸款，這些貸款人與房屋機構緊密合作，與房利美、房地美和Ginnie Mae合作提供貸款產品。
Once a loan is closed, U.S. Bank can then purchase and begin servicing it. This creates an opportunity for U.S. Bank to help the homeowner with questions or support surrounding their mortgage for the life of the loan, Coreno said.
一旦貸款完成，美國銀行便可購買和開始服務。這爲美國銀行提供了機會，爲貸款的整個生命週期提供有關抵押貸款的問題或支持的幫助，科雷諾說。
"When we service an HFA loan, we become a trusted advisor to that client, whether they need help with setting up automatic payments and counseling on managing the escrow accounts for paying taxes and insurance or general loan servicing advise," he said.
"當我們服務HFA貸款時，我們成爲該客戶的值得信賴的顧問，無論他們是否需要幫助設置自動付款，以及有關支付稅費和保險的託管帳戶或一般貸款服務建議，"他說。
For instance, in Ohio, U.S. Bank collaborates with the Ohio Housing Finance Agency. Just this year, U.S. Bank has assisted 3,500 new clients who became first-time homebuyers with loans facilitated through the Ohio agency.
例如，在俄亥俄州，美國銀行與俄亥俄州住房金融機構合作。僅在今年，美國銀行便通過俄亥俄機構促成的貸款，幫助了3500名成爲首次購房者的新客戶。
"The Ohio Housing Finance Agency is proud to partner with U.S. Bank and lenders throughout the state to help Ohioans realize their dreams of homeownership," said Shawn Smith, executive director of the Ohio Housing Finance Agency.
"俄亥俄州住房金融機構很自豪能與美國銀行和整個州的貸款人合作，幫助俄亥俄州居民實現他們的購房夢想，"俄亥俄州住房金融機構執行理事肖恩·史密斯說。
"Our programs, which provide discounted mortgage rates and down payment assistance, help those borrowers that may be looking for a home but hesitate because of the high interest rates and the need for a down payment," Smith said. "Working with U.S. Bank, we're helping Ohioans navigate the homebuying process so they can be successful homeowners."
"我們的計劃能提供折扣的抵押貸款利率和首付援助，幫助那些可能正在尋找房屋但因高利率和需首付而猶豫不決的借款人，"史密斯說。"與美國銀行合作，我們正在幫助俄亥俄州居民了解購房流程，幫助他們成爲成功的業主。"
With inventory and affordability challenges in today's housing market, state and local housing finance agencies can be a resource for education and ultimately, down payment assistance and sustainable homeownership, he said.
他說，在今天的住房市場上，由於庫存不足和房價高昂等挑戰，州和地方住房金融機構可以成爲教育的資源，最終提供首付援助和可持續的住房擁有權。
View additional multimedia and more ESG storytelling from U.S. Bank on 3blmedia.com.
在3blmedia.com上查看美國銀行的其他多媒體和更多ESG故事。
Contact Info:
Spokesperson: U.S. Bank
聯繫信息:
發言人：美國銀行
SOURCE: U.S. Bank
來源：美國銀行
譯文內容由第三人軟體翻譯。