Salina Habitat for Humanity Homeownership Program

Salina Habitat for Humanity Homeownership Program es una primera hipoteca para compradores de vivienda en Salina, Kansas, a cargo de Salina Habitat for Humanity, Inc. Salina Habitat for Humanity provides affordable homeownership in the Salina, KS area through an interest-free mortgage on a Habitat-built home. Families pay the principal over 25 years without interest, are selected based on need for housing, demonstrated ability to pay, and willingness to partner, and complete 350 sweat-equity hours. It is not a giveaway program; families make monthly mortgage payments which fund construction of additional homes. 0% interest mortgage. 25-year term. Below-market home cost. Required homeownership workshops. Equal opportunity housing provider. Los fondos provienen de Habitat for Humanity affiliate (donations, ReStore proceeds, mortgage payments).

Salina Habitat for Humanity Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija Salina Habitat for Humanity, Inc.. El reembolso se activa por Monthly mortgage payments over a 25-year term. La ayuda se registra con un gravamen en posición First. 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.

Salina Habitat for Humanity Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Acceptable credit history, including a good record of paying rent and utilities; bankruptcies must have been discharged for two years. Se requiere un curso de educación para compradores de vivienda, a través de Salina Habitat for Humanity required homeownership workshops. Ciudadanía o situación migratoria: Applicants must be U.S. citizens or permanent resident aliens. Habitat homeownership (interest-free first mortgage), not a cash DPA. Income 30–60% of Salina area median at application. Two-year stable income/employment. Monthly debt payments cannot exceed 40% of gross monthly income. Acceptable credit; bankruptcies discharged 2+ years. U.S. citizen or permanent resident alien. Cannot qualify for conventional financing and cannot presently own real estate. $300 down payment before closing. 350 total sweat-equity hours (50 training, 150 direct family, 150 extended family/friends).

Salina Habitat for Humanity Homeownership Program fija su límite de ingresos así: Gross household income must be between 30% and 60% of the median income for the Salina area at time of application. 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.

Salina Habitat for Humanity Homeownership Program limita el precio de compra así: Home sold at cost; principal paid over 25 years without interest. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible.

Salina Habitat for Humanity Homeownership Program atiende a compradores de vivienda que compran en Salina, Kansas.

Las solicitudes de Salina Habitat for Humanity Homeownership Program se tramitan a través de Salina Habitat for Humanity, Inc., que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Periodic application cycles (application meetings typically held in April and October). 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.