Льготная программа для first time buyers недвижимости

Я помнил что есть какие-то льготы для тех ктопокупает недвижимость впервые в Америке. Вот тут в newsletter упоминается об этом (хоть это для Evanston, но я уверен что в каждом suburbs или town есть такие льготы.

First-Time Homebuyer Program offers qualified applicants one of the best homebuyer opportunities. This year’s program offers up to 97 percent financing with a unique combination of two mortgages that substantially lowers the interest rate for the purchase of a single family home, townhouse, condo or two-flat. Private mortgage insurance (PMI) is not required. Downpayment is only three percent and can be as little as 1.5 percent on 30 year fixed rate mortgages.
Participant eligibility includes:
Be a first-time homebuyer;
be an Evanston resident or employed in Evanston for at least one year;
and be income-eligible.

Pre-approvals are now available. For more details call the Evanston Housing Corporation at www.cityofevanston.org and download a brochure.