Westminster is a city in Orange County, CA. It was founded in 1870 by Rev. Lemuel Webber as a Presbyterian temperance colony. Its name is taken from the Westminster Assembly of 1643, which laid out the basic tenets of the Presbyterian faith. For several years of its early history, its farmers refused to grow grapes because they associated grapes with alcohol.
Westminster was incorporated in 1957, at which time it had 10,755 residents. Originally, the city was named Tri-City because it was the amalgamation of three cities: Westminster, Barber City, and Midway City. Midway City ultimately turned down incorporation, leaving Barber City to be absorbed into the newly incorporated Westminster. The former Barber City was located in the western portion of the current city of Westminster.
Westminster is landlocked and bordered by Seal Beach on the west, by Garden Grove on the north and east, and by Huntington Beach and Fountain Valley on the south.
Westminster surrounds the unincorporated area of Midway City, except for a small portion where Midway City meets Huntington Beach to the south.
A large number of Vietnamese refugees came to the city in the 1970s, settling largely in an area now officially named Little Saigon, and the city is unofficially known as the "capital" of overseas Vietnamese with 36,058 Vietnamese Americans and at 40.2% (2010), the highest municipal concentration of Vietnamese Americans. Westminster won the All American City Award in 1996.
Under the HOME Partnership Investment Program (HOME), the City of Westminster receives federal funds to meet the needs of low-income families and individuals who wish to purchase a home. HOME funds may be used by the City for down payment assistance, non-recurring closing costs, and/or the reduction in the monthly housing costs for low-income first time homebuyers.
The City of Westminster will provide down payment assistance to eligible households for the purpose of assisting them in the acquisition (purchase) of a principal residence.
City down payment assistance is furnished as a deferred loan with 0% interest accrual.
Maximum City assistance is up to $40,000. A portion of the $40,000 Assistance may be used to pay for non-recurring closing costs.
The City’s down payments assistance is provided as a loan which is secured against the property by executing a Deed of Trust, with covenants outlining the principal residence and other program requirements. This recorded deed placed a lien against the subject property being purchased utilizing the City’s funds as down payment assistance.
The down payment assistance may be repaid at any time.
The entire amount of the down payment assistance (deferred loan) shall be due and payable (1) upon sale or transfer, (2) when the property is no longer the participant’s principal residence; or (3) when the house is refinanced for cash out. The loan has a 25 year term, with all payment deferred for the first ten years; payment to begin in the 11th year through year 25, to be pain in eleven installments over the term.
For additional information and to find out how to qualify for this and other programs, please contact Andres Morales at (949)306-9260. You may also email directly at ThankYou@AndresCanHelp.com.
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