Sheridan County Housing Land Trust (SCHLT) Homeownership Program

Sheridan County Housing Land Trust (SCHLT) Homeownership Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Sheridan، Wyoming، وتديره Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). The Sheridan County Housing Land Trust, operated under Habitat for Humanity of the Eastern Bighorns and funded with City/County ARPA dollars, sells below-market homes to income-eligible households who own the home and lease the land held in trust. Buyers must earn between 60% and 120% of Sheridan County AMI, have liquid assets at or below the 4-person median income limit ($108,000 in 2025), and contribute $1,500 toward down payment and closing costs. At resale the home price is restricted to preserve affordability, with the owner keeping principal-paydown equity plus 2% simple annual appreciation and approved improvement credits. Below-market purchase price. Build equity through 2% annual appreciation plus mortgage paydown. Low $1,500 down payment requirement. Entry point to ownership for local workforce. Lenders familiar with the model. يأتي التمويل من City of Sheridan and Sheridan County ARPA funds ($3 million allocated); donated homes.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). يُستحق السداد عند Resale of home; resale price restricted to original purchase price plus 2% simple interest per year of ownership plus approved capital improvement credits. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Must obtain mortgage prequalification from a lender; no published minimum credit score. يلزم إكمال دورة لمشتري المنازل، عبر Fannie Mae Homebuyer course; SCHLT homebuyer education class. شرط الإقامة: Open to those working/living in Sheridan or Johnson counties; remote workers welcome. الجنسية أو وضع الهجرة: Must be a U.S. citizen and 18 years or older. Land-lease fees apply ($50/month lease + $20/month reserve); must occupy as primary residence at least 10 months/year; no subletting or short-term rentals without board exception; no co-signers; cannot already own real estate at purchase; points-based ranked selection. Gaps: exact credit score minimum, DTI, mortgage term, and AMI dollar figures by household size not published.

يحدد Sheridan County Housing Land Trust (SCHLT) Homeownership Program حد الدخل على النحو التالي: Household gross annual income must fall between 60% and 120% of HUD Area Median Income for Sheridan County, WY, based on household size. 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 Sheridan County Housing Land Trust (SCHLT) Homeownership Program حدًا لسعر الشراء على النحو التالي: Homes priced significantly below market for income-eligible households. تشمل أنواع العقارات المؤهلة Single Family. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Sheridan County Housing Land Trust (SCHLT) Homeownership Program مشتري المنازل الذين يشترون في Sheridan، Wyoming.

تُقدَّم طلبات Sheridan County Housing Land Trust (SCHLT) Homeownership Program عبر Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Points-based ranked applicant pool; highest-ranking applicants offered homes as they become available. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.