Habitat for Humanity of Kent County Homeownership Program

Habitat for Humanity of Kent County Homeownership Program es ayuda para el pago inicial para compradores de vivienda en Grand Rapids, Michigan, a cargo de Habitat for Humanity of Kent County. Habitat for Humanity of Kent County's Homeownership Program helps qualifying lower-income households in Kent County, MI buy an affordable home (typically a new-build, Energy Star, all-electric Habitat home) with a mortgage they can afford. Habitat provides coaching, homebuyer education, and counseling. Buyers obtain a first mortgage from a bank/lender (Habitat partner lenders available or any lender), and the home is sold at a price set within a range based on income so the housing payment is approximately 35% of gross monthly income. Homes are sold with an Affordability Covenant Deed Restriction. Payment capped at ~35% of gross income. new, energy-efficient homes. homebuyer education and one-on-one counseling. access to partner lenders. Los fondos provienen de Habitat for Humanity of Kent County (donations, ReStore proceeds, grants); buyer financed via third-party first mortgage.

Habitat for Humanity of Kent County Homeownership Program es ayuda para el pago inicial y se reembolsa según los términos que fija Habitat for Humanity of Kent County. El reembolso se activa por Sale or transfer (affordability covenant deed restriction governs resale). 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 Kent County Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Credit score of 640 or higher, or willing to improve. Se requiere un curso de educación para compradores de vivienda, a través de Habitat Kent homebuyer classes (Introduction to Homeownership, Info Session, Money Smart); one-on-one counseling. Ciudadanía o situación migratoria: U.S. Citizen or Permanent Resident. Selection by family selection committee (need, willingness to partner, ability to repay). Minimum household income $45,000; credit score 640+ or willingness to improve; U.S. citizen or permanent resident. Current Habitat Kent model uses a third-party first mortgage plus an affordability covenant (assistance_type=other) rather than a Habitat-held mortgage. Sweat-equity not explicitly stated on the current page (gap). Distinct from the City of Grand Rapids HAF. Special-population flags false (open to all qualifying applicants).

Habitat for Humanity of Kent County Homeownership Program limita el ingreso del hogar a $112,600. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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 Kent County Homeownership Program limita el precio de compra así: No published maximum; sale price set within a range based on buyer income to yield an affordable payment (~35% of gross). Example listing $164,000-$231,700. Los tipos de propiedad elegibles incluyen Single Family, Condo y Townhouse. La construcción nueva es elegible.

Habitat for Humanity of Kent County Homeownership Program atiende a compradores de vivienda que compran en Grand Rapids, Michigan.

Las solicitudes de Habitat for Humanity of Kent County Homeownership Program se tramitan a través de Habitat for Humanity of Kent County, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Online Homeownership Program Intake Form; staff follow up with next steps. 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.