Greater Albuquerque Habitat for Humanity Homeownership Program

Greater Albuquerque Habitat for Humanity Homeownership Program es una primera hipoteca para compradores de vivienda en Albuquerque, New Mexico, a cargo de Greater Albuquerque Habitat for Humanity (GAHH). Greater Albuquerque Habitat for Humanity builds affordable, energy-efficient entry-level homes for income-qualified first-time homebuyers in Bernalillo and South Sandoval counties and sells them with an interest-free (0%) mortgage and a low down payment. Selected families contribute 350 hours of sweat equity and complete homebuyer education. Income must be between 50% and 80% of Bernalillo County AMI. 0% interest mortgage. Low down payment (approx. $2,500 in savings). Newly built, energy-efficient home. Homebuyer education and guidance. Support throughout the homebuying process. Builds equity and long-term financial stability. Los fondos provienen de Greater Albuquerque Habitat for Humanity (donations, ReStore proceeds, grants); homes built with volunteer labor.

Greater Albuquerque Habitat for Humanity Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija Greater Albuquerque Habitat for Humanity (GAHH). El reembolso se activa por Monthly mortgage payments over the life of the loan; an affordability/resale subordinate lien (silent second representing the subsidy) may be recaptured if the home is sold during the affordability period. Specific recapture terms not published on the primary source. La ayuda se registra con un gravamen en posición First (affordable mortgage held by GAHH); subsidy may be a subordinate silent lien. 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.

Greater Albuquerque Habitat for Humanity Homeownership Program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Comprador de vivienda por primera vez” suele significar no haber sido dueño de una vivienda en los últimos tres años, pero el programa fija su propia definición. Sobre el crédito, el programa indica: No published minimum credit score, but an acceptable credit history is required; all collections and judgments must be paid in full. Se requiere un curso de educación para compradores de vivienda, a través de Greater Albuquerque Habitat for Humanity homebuyer education classes (count toward sweat-equity hours). Requisito de residencia: Must have lived or worked in Bernalillo and/or South Sandoval County for the past 12 months; must be willing to live in the neighborhood where Habitat is currently building. Ciudadanía o situación migratoria: All household members must be U.S. citizens or permanent residents. Application cycle was PAUSED as of June 2026 (interest list open; GAHH states preparations are underway to reopen soon) - it is a recurring standing program, not discontinued. Requires 350 hours of sweat equity (building your home and others' homes plus homebuyer education). Every household member over 18 must consent to a background and sex-offender check; all applicants and co-applicants must consent to a credit check. Deferred student loans counted at 0.5% of balance per month. Exact dollar income limits and any resale/recapture lien terms were not published on the primary public pages.

Greater Albuquerque Habitat for Humanity Homeownership Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Gross annual household income must be between 50% and 80% of the Area Median Income (AMI) for Bernalillo County; updated annually based on HUD figures and household size. Exact dollar limits are published on GAHH's Income Criteria page (year-dependent). 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.

Greater Albuquerque Habitat for Humanity Homeownership Program se puede usar para Single-family detached (newly built Habitat home). La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Greater Albuquerque Habitat for Humanity Homeownership Program atiende a compradores de vivienda que compran en Albuquerque, New Mexico.

Las solicitudes de Greater Albuquerque Habitat for Humanity Homeownership Program se tramitan a través de Greater Albuquerque Habitat for Humanity (GAHH), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Inquiry list; applicants notified by email when the application cycle opens, then request an application packet by mail. 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.