NH Capital Region Habitat for Humanity Homeownership Program

NH Capital Region Habitat for Humanity Homeownership Program es una primera hipoteca para compradores de vivienda en Warner, New Hampshire, a cargo de New Hampshire Capital Region Habitat for Humanity. NH Capital Region Habitat for Humanity (Concord-area affiliate, 16 towns) renovates ~one property per year (typically a single-wide manufactured home) and sells it at no profit to a qualifying low-income household, financed with an affordable, no-interest (0%) mortgage. Selected families complete 200 hours of sweat equity and required financial education. Homeowners are chosen by a Family Selection Committee using an objective scoring tool; total housing cost is capped at 30% of the buyer's income. Affordable 0% interest mortgage. Home sold at no profit. Housing cost capped at 30% of income. Financial education provided. Hands-on sweat-equity partnership. Los fondos provienen de Capital Region Habitat for Humanity (donations, sponsorships, home sale proceeds).

NH Capital Region Habitat for Humanity Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija New Hampshire Capital Region Habitat for Humanity. La ayuda se registra con un gravamen en posición 1st. 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.

NH Capital Region 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: No minimum score stated; applicant must have verifiable credit experience and good credit history with ability to repay; on-time payments over the past 12 months required. Se requiere un curso de educación para compradores de vivienda, a través de NH Capital Region Habitat for Humanity (required financial education courses/workshops). Requisito de residencia: Must live or work in the 16-town service area and have lived there at least one year: Boscawen, Bow, Canterbury, Chichester, Concord, Dunbarton, Epsom, Henniker, Hopkinton, Loudon, Pembroke, Penacook, Pittsfield, Salisbury, Warner, Webster (Home page also lists Allenstown). Ciudadanía o situación migratoria: Must be a law-abiding permanent legal resident. 200 hours sweat equity and required financial education; must currently live in inadequate/unaffordable housing; background and sex-offender checks for members 18+; housing cost <=30% and total debt+housing <=45% of income; applications accepted only during an open period (property listed on MLS, ~3 weeks to apply). Documented income-limit discrepancy between affiliate documents (60% AMFI vs 80% AMI).

NH Capital Region Habitat for Humanity Homeownership Program limita el ingreso del hogar al 60% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income (all sources/members) must fall between 25% and 60% of Merrimack County Area Median Family Income, adjusted for family size. 2021 AMFI 60% table: 1 $39,360; 2 $44,940; 3 $50,580; 4 $56,160; 5 $60,660; 6 $65,160; 7 $69,660; 8 $74,160. NOTE: affiliate's Homeownership Overview instead cites 80% AMI (1-person $52,450) — a documented discrepancy to confirm. 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.

NH Capital Region Habitat for Humanity Homeownership Program se puede usar para Manufactured y Single Family. Las viviendas prefabricadas son elegibles.

NH Capital Region Habitat for Humanity Homeownership Program atiende a compradores de vivienda que compran en Warner, New Hampshire.

Las solicitudes de NH Capital Region Habitat for Humanity Homeownership Program se tramitan a través de New Hampshire Capital Region Habitat for Humanity, 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.