People's Housing+ Community Land Trust Homeownership Program

People's Housing+ Community Land Trust Homeownership Program es un préstamo de plusvalía compartida para compradores de vivienda en New Orleans, Louisiana, a cargo de People's Housing+ (PH+). People's Housing+ (the operating CLT entity carrying forward the Crescent City Community Land Trust / Home by Hand work in New Orleans) sells newly constructed, permanently affordable single-family homes to households at or below 80% AMI (limited opportunities to 120% AMI) in Orleans Parish. Under its community land trust shared-equity model, PH+ retains the land and leases it via a long-term ground lease, lowering purchase cost. Buyers receive substantial built-in subsidies; a CLT resale formula caps future appreciation so homes remain affordable. Permanently affordable purchase price. up to $60,000 (CLT) / $100,000 (other) built-in subsidies. new EnergyStar 3.0 construction. ongoing PH+ coaching. build wealth via shared equity. Los fondos provienen de Mix of public and private: foundations, public entities (e.g., NORA O-HIP), financial institutions, private donors.

People's Housing+ Community Land Trust Homeownership Program ofrece hasta $100,000 de ayuda. Niveles de ayuda: Most homes cap at 80% AMI; limited opportunities up to 120% AMI. Aporte del comprador de vivienda: At least 1% of purchase price as down payment (veterans may qualify for no-down-payment financing). El programa se puede combinar con City of New Orleans first-time homebuyer soft second / closing cost assistance has historically combined with CLT purchases; PH+ subsidies built into pricing. Los montos son los máximos publicados por el programa, no una oferta: People's Housing+ (PH+) determina cualquier ayuda individual.

People's Housing+ Community Land Trust Homeownership Program es un préstamo de plusvalía compartida y se reembolsa según los términos que fija People's Housing+ (PH+). El reembolso se activa por Resale of home; CLT sets resale price under a shared-equity formula (99-year ground lease). 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.

People's Housing+ Community Land Trust Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Not published; buyer must qualify for a first mortgage (PH+ assists pre-qualification). Se requiere un curso de educación para compradores de vivienda, a través de People's Housing+ (12-hour homebuyer training course; Financial Fitness & Workshops). Requisito de residencia: Occupy as primary residence minimum 3 years (varies by income/subsidy). Must qualify for a first mortgage; occupy as primary residence min 3 years (varies by subsidy); contribute >=1% down (veterans may get no-down financing); complete 12-hour homebuyer training; maintain liability/flood/termite insurance; sign CLT ground lease with resale restrictions. Orleans Parish only. Loan term/rate type not published. Two differing 2025 80% AMI charts on site (4-person $70,880 vs $71,850). Min credit score not published.

People's Housing+ Community Land Trust Homeownership Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income at or below 80% AMI for Orleans Parish (2025 4-person limit $71,850 per eligibility page; income-limits chart lists $70,880). Limited opportunities up to 120% AMI. Entire household income counted. 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.

People's Housing+ Community Land Trust Homeownership Program limita el precio de compra así: Homes sold at set affordable prices; CLT homes ~$150,000 (up to $60,000 subsidy); other PH+ homes $205,000-$350,000 with up to $45,500-$100,000 subsidy. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible.

People's Housing+ Community Land Trust Homeownership Program menciona a veteranos entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

People's Housing+ Community Land Trust Homeownership Program atiende a compradores de vivienda que compran en New Orleans, Louisiana. El programa se dirige a áreas específicas: New Orleans (Orleans Parish). Neighborhoods: New Orleans East, Gentilly, Treme, 7th Ward, Tulane/Gravier, Broadmoor, Central City, Hoffman Triangle. CLT homes in Central City and Broadmoor.

Las solicitudes de People's Housing+ Community Land Trust Homeownership Program se tramitan a través de People's Housing+ (PH+), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Pre-sale model: PH+ identifies buyers and signs purchase contracts ~60 days before completion; lot selection by preference order when buyers exceed homes. 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.