Assegurar para a categoria representada as melhores condições para gerar resultados.
Ser uma entidade representativa para sociedade e empresa.
Desenvolvimento Econômico e Social Sustentável
Defender os Interesses da Categoria
Influenciar o comportamento dos empresários de nosso setor.
No dia 20 de dezembro de 1940, em assembleia promovida pelos comerciantes de Pirassununga, foi instalada a Associação Profissional do Comércio Varejista do Município de Pirassununga.
Em 13 de maio do ano seguinte, foi concedida à nossa entidade, o Certificado de Registro de Associação Profissional, expedido pelo Ministério do Trabalho, Indústria e Comércio, a chamada “Carta Sindical”.
No dia 18 de agosto de 1941, em assembleia realizada para o Enquadramento Sindical Brasileiro, foi decidido por unanimidade a denominação para Sindicato do Comércio Varejista de Pirassununga.
Sindicato do Comércio Varejista de Pirassununga hoje aos seus 74 anos vem procurando solucionar problemas encontrados de forma simples e objetiva. Tem sua frente a presidência o Sr. Paulo João de Oliveira Alonso.
Seu principal objetivo é firmar um acordo coletivo de trabalho e de horários adequados junta a classe comerciante, promover campanhas publicitárias para aumentar as vendas e estimular a produção e o desenvolvimento do comércio de nossa base territorial.
I understand that my income must be below a maximum amount. If I intend to buy the house myself, but another working adult will live with me, will their income be counted as well?
I'm recently separated, can my spouse's income be excluded?
IHDA Mortgage considers borrowers married or single, there is no grey area. If you are still legally married, their income must be considered even if the spouse will not be living in the household.
I am curious about specific program income limits.
All IHDA Mortgage programs require borrowers to meet required income and purchase price limits. They are available here on our website.
What is IHDA Mortgage's minimum credit score?
What if my credit score isn’t good enough to qualify?
Housing counselors are a great resource to help you improve your score and prepare for homeownership.
Do student loans in forbearance/deferred count against me?
That can vary depending on the length of time and loan type chosen. Your lender will be able to determine if your student loan debt can be included/excluded.
I had a bankruptcy or foreclosure. Am I eligible to buy a home?
Bankruptcy and foreclosure waiting periods vary depending on the loan type. Your IHDA Mortgage lender will be able determine eligibility based on your credit report.
Can I buy a condo or townhouse using IHDA Mortgage programs?
Yes! Condominiums and townhouses are eligible. Speak to your lender about specific condominium requirements.
Can I buy a two-unit property using IHDA Mortgage programs?
Yes! You must occupy one of the two units as your primary residence and meet all other program guidelines.
How do I apply?
Go to our Find-A-Lender page, all applications are handled by approved IHDA lenders.
I already applied but I have questions about my application, whom should I call?
Is the Down Payment Assistance available with IHDA Mortgage products a gift or will I have to pay it back?
Repayment varies depending on which program you chose. Review our full list of programs for details.
Are there any other fees or expenses I may have to pay?
I have heard so much about predatory lending. How can I be sure that IHDA products are safe?
Can I use a POA (Power of Attorney) to execute IHDA Mortgage docs?
IHDA Mortgage allows POAs for all documents signed at closing, provided that all POAs on IHDA Mortgage files follow applicable Agency regulations, State laws, and any overlays set forth by IHDA’s Master Servicer, U.S. Bank Home Mortgage. The POA must be specific to the transaction. Note: VA loans require a special form.
IHDA Mortgage does NOT allow POA on all pre-closing documents signed by borrower or non-borrowing spouse unless there is an extenuating circumstance such as an active military member stationed overseas. Management must approve all these exceptions.
I heard IHDA Mortgage loans take a long time to get closed, is this true?
No! We empower our lenders to close loans as quickly as they want! IHDA Mortgage has no involvement in the processing of the loan until after it has closed. It is up to your lender how quickly the process moves.
What are the Down Payment Assistance products available with IHDA Mortgage?
- The 4% up to $6,000 available with Access Forgivable is a forgivable loan. The borrower does not need to pay it back, as long as they live in the home for ten years. If they sell or refinance the home within the first ten years, a portion of the down payment will need to be paid back to IHDA.
- The 5% up to $7,500 available with Access Deferred is a deferred loan. The borrower will be required to repay the funds at maturity of the 1st mortgage, unless repaid sooner, or in the event of a refinance or sale.
- The 10% up to $10,000 available with Access Repayable is a repayable loan. The borrower will be required to repay the funds. The payment terms are 0 percent interest, repaid over 10 years.
- The $7,500 available with 1stHomeIllinois is a forgivable loan. The borrower does not need to pay it back, as long as they live in the home for five years. If they sell or refinance the home within the first five years, a portion of the down payment will need to be paid back to IHDA.
MCC (Mortgage Credit Certificate)
What is a MCC (Mortgage Credit Certificate)?
Available only in conjunction with the IHDA Access Programs.
Borrowers must be first-time homebuyers (or Exempt*).
Borrower must be below county MCC income limits. (The income limits on a loan taking a MCC are more restrictive than our general limits and are based on the number in the household.)
Borrower must be below county MCC purchase price limits.
Property must be a qualified dwelling situated on less than 5 acres of land.
(*Exempt = a qualified veteran (borrower must be a veteran), or property is in a targeted area. Note that if only the spouse is a veteran, the spouse must also be a borrower/mortgagor and obligated on the Note.)
$350.00 - Payable to Illinois Housing Development Authority
$150.00 - Optional fee that may be charged by the originating lender
Is a MCC worth it for me?
In most cases, borrowers do save money utilitzing an MCC. Every situation is different and you should consult with your tax advisor before applying.
We closed on our home already but I just heard about the MCC Program – can I apply now?
Endereço: Rua Ladeira Padre Felipe, 2285 - Centro - Pirassununga / SP
Telefone: 19 3561-2342
Para qualquer solicitação, preencha os campos no formulário abaixo: