Greater Albuquerque Habitat for Humanity Homeownership Program

Greater Albuquerque Habitat for Humanity Homeownership Program هو رهن عقاري أول لمشتري المنازل في Albuquerque، New Mexico، وتديره Greater Albuquerque Habitat for Humanity (GAHH). Greater Albuquerque Habitat for Humanity builds affordable, energy-efficient entry-level homes for income-qualified first-time homebuyers in Bernalillo and South Sandoval counties and sells them with an interest-free (0%) mortgage and a low down payment. Selected families contribute 350 hours of sweat equity and complete homebuyer education. Income must be between 50% and 80% of Bernalillo County AMI. 0% interest mortgage. Low down payment (approx. $2,500 in savings). Newly built, energy-efficient home. Homebuyer education and guidance. Support throughout the homebuying process. Builds equity and long-term financial stability. يأتي التمويل من Greater Albuquerque Habitat for Humanity (donations, ReStore proceeds, grants); homes built with volunteer labor.

Greater Albuquerque Habitat for Humanity Homeownership Program هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها Greater Albuquerque Habitat for Humanity (GAHH). يُستحق السداد عند Monthly mortgage payments over the life of the loan; an affordability/resale subordinate lien (silent second representing the subsidy) may be recaptured if the home is sold during the affordability period. Specific recapture terms not published on the primary source. تُسجَّل المساعدة في مرتبة الرهن: First (affordable mortgage held by GAHH); subsidy may be a subordinate silent lien. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Greater Albuquerque Habitat for Humanity Homeownership Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. تعني عبارة "مشتري منزل لأول مرة" عادةً عدم امتلاك منزل خلال السنوات الثلاث الماضية، لكن البرنامج يضع تعريفه الخاص. بشأن الائتمان، ينص البرنامج على: No published minimum credit score, but an acceptable credit history is required; all collections and judgments must be paid in full. يلزم إكمال دورة لمشتري المنازل، عبر Greater Albuquerque Habitat for Humanity homebuyer education classes (count toward sweat-equity hours). شرط الإقامة: Must have lived or worked in Bernalillo and/or South Sandoval County for the past 12 months; must be willing to live in the neighborhood where Habitat is currently building. الجنسية أو وضع الهجرة: All household members must be U.S. citizens or permanent residents. Application cycle was PAUSED as of June 2026 (interest list open; GAHH states preparations are underway to reopen soon) - it is a recurring standing program, not discontinued. Requires 350 hours of sweat equity (building your home and others' homes plus homebuyer education). Every household member over 18 must consent to a background and sex-offender check; all applicants and co-applicants must consent to a credit check. Deferred student loans counted at 0.5% of balance per month. Exact dollar income limits and any resale/recapture lien terms were not published on the primary public pages.

يحدد Greater Albuquerque Habitat for Humanity Homeownership Program دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Gross annual household income must be between 50% and 80% of the Area Median Income (AMI) for Bernalillo County; updated annually based on HUD figures and household size. Exact dollar limits are published on GAHH's Income Criteria page (year-dependent). ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام Greater Albuquerque Habitat for Humanity Homeownership Program لـSingle-family detached (newly built Habitat home). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Greater Albuquerque Habitat for Humanity Homeownership Program مشتري المنازل الذين يشترون في Albuquerque، New Mexico.

تُقدَّم طلبات Greater Albuquerque Habitat for Humanity Homeownership Program عبر Greater Albuquerque Habitat for Humanity (GAHH)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Inquiry list; applicants notified by email when the application cycle opens, then request an application packet by mail. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.