Housing Partnership
New Housing Benefit for Culinary and Bartender Workers!
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If you are a worker covered by the Culinary and Bartenders’ Union Contract, then you are eligible for a new housing benefit that helps gaming workers obtain the dream of home ownership. Established as a result of the 2007 Collective Bargaining Agreement, the new Culinary and Bartenders Housing Partnership provides home buyer education and counseling, workshops on foreclosure prevention, and first-time home buyer down payment loans.
The State of Nevada Housing Division has joined with the Culinary and Bartenders Housing Partnership to provide up to $20,000 in assistance to purchase your first home!
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Key Elements of the program include:
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The down payment assistance loan up to $20,000 has a 0% interest rate.
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You do not have to pay back the loan unless you sell, rent, or refinance the property.
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If you sell, rent, or refinance you pay the loan back at face value with no interest charges.
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You must live in the house you buy (no second homes or vacation homes).
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You must not have owned a home within the past three years.
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You must contribute 3.5% down payment for an FHA mortgage.
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You must contribute 1% of the purchase price for a conventional mortgage.
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Your combined household income can’t be greater than $92,010 for a 1-3 person household. For a household with 4 or more persons, your combined household income can’t be greater than $106,250.
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You will be required to complete an orientation class, an 8 hour homebuyer education course and a one-on-one counseling session at no cost to you.
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You must qualify for a mortgage – you may use a lender of your choice, or the Housing Program can provide you with a list of participating lenders to assist you. Participating lender list can be located at www.nevadapartners.org.
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Funds for loans are limited and will be granted on a first come first serve basis.
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Foreclosure Assistance
Please contact the Housing Programs department, if you own your own home and you are:
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Currently behind in your mortgage payments.
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Received a notice of loan default or breach in the mail.
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Received a notice of foreclosure sale of your home.
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The agency offers bankruptcy counseling in English and Spanish.
Call 702.364.0344 or 800.451.4505
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To get more details, please call the Housing Partnership at 702.924.2173 Ext: 230 or go to their website: www.nevadapartners.org.
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** ONLINE HOMEBUYER EDUCATION CLASS