New River Home Trust (Community Land Trust)

New River Home Trust (Community Land Trust) هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Blacksburg، Virginia، وتديره New River Home Trust (a program of Community Housing Partners). The New River Home Trust (NRHT) is a community land trust created in 2023 in partnership with Montgomery County and the Town of Blacksburg, operating as a program of Community Housing Partners. It develops permanently affordable for-sale homes in Montgomery County, VA for households up to 80%, 100%, or 120% AMI (by property). Buyers purchase only the home and lease the land via a 99-year renewable ground lease ($10-$25/month), removing land cost from the price (first home sold roughly $100,000 below market). Affordability is preserved through an AMI-indexed resale restriction while homeowners still build equity through principal reduction, limited appreciation, and approved improvements. Below-market purchase price via removal of land cost. permanently affordable homeownership. fixed low ground-lease fee ($10-$25, not increased for 99 years). equity through principal and limited appreciation. one-time income qualification. in-house HUD-approved counseling. يأتي التمويل من Local government and partner investment (Montgomery County and the Town of Blacksburg); developed with Community Housing Partners and Habitat for Humanity.

New River Home Trust (Community Land Trust) هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها New River Home Trust (a program of Community Housing Partners). يُستحق السداد عند Sale or transfer (restricted resale formula under the ground lease). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

New River Home Trust (Community Land Trust) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: No specific minimum published; a $35 soft credit check is performed; staff help buyers become mortgage-ready. يلزم إكمال دورة لمشتري المنازل، عبر HUD-approved housing counseling required; Community Housing Partners is a HUD-approved counseling agency and NRHT provides counseling in-house. شرط الإقامة: Serves Montgomery County, VA; those who live or work in the New River Valley encouraged to apply. Permanent affordability via CLT ground lease; one-time income qualification at purchase (80/100/120% AMI tier by property); must occupy as primary residence; HUD-approved counseling/education required; finance through an NRHT Approved Lender. Distinct from CHP's statewide DHCD DPA and from Maggie Walker CLT (Richmond).

يحدد New River Home Trust (Community Land Trust) دخل الأسرة بما لا يتجاوز 120% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Income qualified once at purchase using HUD AMI for Montgomery County, updated annually; three tiers (80/100/120% AMI). 2026 Montgomery County max household income — 80% AMI 4p $95,700; 100% AMI 4p $119,600; 120% AMI 4p $143,500 (1-8 person tables published). Income may rise after purchase without penalty. 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.

يضع New River Home Trust (Community Land Trust) حدًا لسعر الشراء على النحو التالي: No fixed maximum; prices set below market via the CLT land-cost subsidy (first NRHT home closed roughly $100,000 below market value). تشمل أنواع العقارات المؤهلة Single Family. المنازل حديثة البناء مؤهلة.

يخدم New River Home Trust (Community Land Trust) مشتري المنازل الذين يشترون في Blacksburg، Virginia. يستهدف البرنامج مناطق محددة: Place-based in Montgomery County, VA (Blacksburg, including a neighborhood near Virginia Tech; Stroubles Ridge). الأحياء المستهدفة: Montgomery County, VA, including Blacksburg (Stroubles Ridge).

تُقدَّم طلبات New River Home Trust (Community Land Trust) عبر New River Home Trust (a program of Community Housing Partners)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Application-based; eligibility determination ~48 hours; eligible buyers receive an Eligibility Letter and are matched to available CLT homes. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.