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自置居所奖励计划

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We are excited to announce that the 自置居所奖励计划 has expanded and now provides a financial increase, 将金额从9美元提高,000 to $20,000. 

2024年4月1日起生效，协助实现梦想 homeownership, the University has teamed up with the 十大赌博正规老平台市 and several banks/credit unions to offer regular full-time and part-time faculty and staff, residents, and fellows* $20,000 toward the first-time home purchase of a primary residence anywhere within the 十大赌博正规老平台市 with a closing date of April 1, 2024, or later.†无业务要求, but the plan requires five-year occupancy and employment commitments from the buyer. Eligible faculty and staff whose total household gross income was less than $135,2022年的000人可以申请2024日历年.

The University 自置居所奖励计划 through Total Rewards provides new homeowners with:

  • 学校提供一万美元
  • 市政府出资5000美元
  • 从参与的银行/信用合作社获得5000美元 ‡

The approval process for Home Ownership benefits may take up to four months and may require completion of pre-purchase and post-purchase education classes at approved agencies.

Watch our 房屋所有权奖励计划视频概述.

帮助你实现拥有住房的梦想, the University has teamed up with the 十大赌博正规老平台市 and several banks/credit unions to offer regular full-time and part-time faculty and staff, 住院医师和十大赌博正规老平台员* 九千块用于购买主要住宅.

The University 自置居所奖励计划 through Total Rewards provides new homeowners in the following charming and convenient 十大赌博正规老平台市 neighborhoods † with:

  • 学校提供了3000美元
  • 市政府出资3000美元
  • 从参与的银行/信用合作社获得3000美元 ‡

没有最高收入要求, but the plan requires five-year occupancy and employment commitments from the buyer.

The approval process for Home Ownership benefits may take up to four months and may require completion of pre-purchase and post-purchase education classes at approved agencies.

Watch our 房屋所有权奖励计划视频概述.

合格的社区和街道

The above map should be used as a general reference only. If a property is bordering another 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 of these neighborhoods, check out the 按揭房屋奖励计划 below in the resources section.

十大赌博正规老平台市地图

 

罗彻斯特市地图

The above map should be used as a general reference only. 查看交互式版本的地图 here. 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.

如果你想在十大赌博正规老平台城外买房, 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

To receive the University’s or City’s benefit, you must finance the purchase of 还款表 your home through a participating bank/credit union and be approved for the 十大赌博正规老平台市’s Employer Assisted Housing Initiative (EAHI).

参与贷款机构汇总表

十大赌博正规老平台

Eligibility: 固定的全职和兼职教职员工,* 住院医师和十大赌博正规老平台员; New homeowner in qualifying City neighborhoods†

Amount: 每笔按揭$10,000

福利形式: Loan that is forgiven over 5 years if residency and employment requirements are satisfied‡ (see 还款表 below)

Use of money: 首付款或成交费用

主要居住要求: 5 years

工作要求: 5 years

十大赌博正规老平台市

Eligibility: 固定的全职和兼职教职员工,* 住院医师和十大赌博正规老平台员; New homeowner in qualifying City neighborhoods†

Amount: 每宗按揭$5,000

福利形式: Grant that is forgiven over 5 years if residency requirement is satisfied (see 还款表 below)

Use of money: 首付款或成交费用

主要居住要求: 5 years

工作要求: No

优势联邦信用合作社

Eligibility: 固定的全职和兼职教职员工,* 住院医师和十大赌博正规老平台员; New homeowner in qualifying City neighborhoods†

Amount: 每宗按揭$5,000

福利形式: Grant that is forgiven over 5 years if residency requirement is satisfied (see 还款表 below)

Use of money: 首付款、成交费用或代管保证金

主要居住要求: 5 years

工作要求: No

加拿大国家银行 & Trust

Eligibility: 固定的全职和兼职教职员工,* 住院医师和十大赌博正规老平台员; New homeowner in qualifying City neighborhoods†

Amount: 每宗按揭$5,000 for low- or moderate income-level tracts (visit www.ffiec.gov 确认地区收入水平)

福利形式: 可原谅的格兰特

Use of money: 首付款或成交费用

主要居住要求: Yes

工作要求: No

杰纳西地区银行

Eligibility: 固定的全职和兼职教职员工,* 住院医师和十大赌博正规老平台员; new homeowner in qualifying City neighborhoods†

Amount: 每宗按揭$5,000

福利形式: Lender credit

Use of money: 成交成本或利率买断

主要居住要求: Yes

工作要求: No

KeyBank

Eligibility: 固定的全职和兼职教职员工,* 住院医师和十大赌博正规老平台员; New homeowner in qualifying City neighborhoods†

Amount: 每宗按揭$5,000 for low- or moderate income-level tracts (visit www.ffiec.gov to confirm track income levels and ensure you are in the Minority Majority Track (MMT))

福利形式: Lender credit

Use of money: 成交成本或利率买断

主要居住要求: Yes

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.

Time elapsed 五年还款比例
1st 月至24th month 100%
25th 月至36th month 75%
37th 月至48th month 50%
49th 月至60th month 25%
61st month 0%

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.

大学保留修改的权利, amend, 或随时终止计划, 包括可能影响覆盖率的操作, cost-sharing, 或者保险福利, as well as benefts 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, 博士后十大赌博正规老平台助理, 博士后助教, EDC Associate, 或者访问十大赌博正规老平台.

† 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 and create 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

  1. Apply online and the Office of Total Rewards will verify your employment eligibility.

  2. Contact the 十大赌博正规老平台市 for an application via email at homebuyer@cityofrochester.gov.

  3. 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 十大赌博正规老平台’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, 并解释他们具体的抵押贷款选择, 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 十大赌博正规老平台市.

家庭计划联系人

家庭搜索和教育

找到你梦想中的家

拥有一所房子不仅仅是四面墙和一个屋顶. 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!

Assistance & Advice

对买房过程感到压力或困惑? 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.

*有资格获得罗彻斯特市的资助, 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.

拥有住房的好处:额外的资源

项目贷款

The 十大赌博正规老平台 works with a variety of program lenders.

View lenders

按揭房屋奖励计划

Several financial institutions in the Greater Rochester area are available to help the 十大赌博正规老平台’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, 并解释他们具体的抵押贷款选择, 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 十大赌博正规老平台市.

家庭计划联系人

家居搜索及教育
找到你梦想中的家

拥有一所房子不仅仅是四面墙和一个屋顶. 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!

Assistance & Advice

对买房过程感到压力或困惑? 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.

*有资格获得罗彻斯特市的资助, 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.

获得额外支持

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