Habitat for Humanity of Greater Birmingham Homeownership Program

Habitat for Humanity of Greater Birmingham Homeownership Program es ayuda para el pago inicial para compradores de vivienda en Fairfield, Alabama, a cargo de Habitat for Humanity of Greater Birmingham. Habitat for Humanity of Greater Birmingham builds and sells affordable homes to income-qualified families in Jefferson, Shelby, Walker, and St. Clair counties. Selected applicants partner with Habitat by completing homeowner education and sweat-equity hours, paying a $2,000 down payment, and purchasing the home with an affordable mortgage. Homeowners are chosen by a volunteer Family Selection Committee based on need, willingness to partner, and ability to repay. Affordable home built/rehabbed by Habitat. Affordable mortgage geared to ability to repay. Homeowner education workshops. Path to homeownership for low-to-moderate income families.

Habitat for Humanity of Greater Birmingham Homeownership Program es ayuda para el pago inicial y se reembolsa según los términos que fija Habitat for Humanity of Greater Birmingham. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Habitat for Humanity of Greater Birmingham Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Se requiere un curso de educación para compradores de vivienda, a través de Habitat Birmingham homeowner education workshops (minimum 10 hours). Requisito de residencia: Must reside in Jefferson, Shelby, Walker, or St. Clair counties for at least one year before applying. Ciudadanía o situación migratoria: Must show proof of legal residency. Requires a minimum 250 sweat-equity hours and 10 hours homeowner education. Selection by volunteer Family Selection Committee (need, willingness to partner, ability to repay). Credit: no unpaid collections/judgments/liens; foreclosure/eviction at least 36 months old; bankruptcy discharged with 3 years established credit; verifiable income at least one year. GAPS (not published): assistance dollar amount, sale price, mortgage rate/term, lien position, min credit score, max purchase price, recapture/repayment triggers, manufactured/new-construction eligibility, HUD AMI year, income_limit_amount.

Habitat for Humanity of Greater Birmingham Homeownership Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Total household income must fall within 40-80 percent of the Jefferson County area median income. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Habitat for Humanity of Greater Birmingham Homeownership Program se puede usar para Single Family.

Habitat for Humanity of Greater Birmingham Homeownership Program atiende a compradores de vivienda que compran en Fairfield, Alabama.

Las solicitudes de Habitat for Humanity of Greater Birmingham Homeownership Program se tramitan a través de Habitat for Humanity of Greater Birmingham, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.