Habitat for Humanity of Taos Homeownership Program

Habitat for Humanity of Taos Homeownership Program es una primera hipoteca para compradores de vivienda en Taos, New Mexico, a cargo de Habitat for Humanity of Taos. Habitat for Humanity of Taos provides homeownership opportunities to low-income families and individuals in Taos County by building affordable homes that the partner family purchases with an affordable, no-profit Habitat mortgage. Selected partner families contribute sweat equity, attend monthly homeowner meetings, and pay a down payment and monthly mortgage. The affiliate has built roughly 39-40 homes and runs periodic application cycles (the current cycle is open through May 31, 2026, with the next partner family selected June 30, 2026). Affordable no-profit Habitat mortgage. Sweat-equity path to ownership. Homebuyer education and monthly homeowner meetings. Newly built affordable home. Los fondos provienen de Habitat for Humanity of Taos donations, ReStore proceeds, grants (including Taos Community Foundation), and homeowner mortgage payments.

Habitat for Humanity of Taos Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija Habitat for Humanity of Taos. El reembolso se activa por Monthly mortgage payments on the affordable Habitat mortgage; sale/transfer terms governed by the Habitat mortgage and any affiliate right of first refusal (specific terms not published online). 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.

Habitat for Humanity of Taos Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: No numeric minimum published; requires 'decent and responsible credit,' bankruptcy fully discharged for at least one year, and no court-ordered debt. Se requiere un curso de educación para compradores de vivienda, a través de Habitat for Humanity of Taos (monthly homeowner meetings, homeowner education). Requisito de residencia: Applicants must live and work in Taos County for at least one year. Selection requires demonstrated housing need; ability to pay a down payment and monthly mortgage; willingness to partner with Habitat (sweat equity, monthly homeowner meetings); decent/responsible credit with bankruptcy discharged at least one year and no court-ordered debt; live and work in Taos County for at least one year; all household members 18+ pass a criminal background check; income at or below 60% of Taos County HUD median. Application cycle open through May 31, 2026.

Habitat for Humanity of Taos 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 cannot exceed 60% of Taos County median family income as established annually by HUD. Specific dollar limits by household size are not published on the affiliate website. 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.

Habitat for Humanity of Taos Homeownership Program limita el precio de compra así: Not applicable; home is built and sold by the affiliate at no profit. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

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

Las solicitudes de Habitat for Humanity of Taos Homeownership Program se tramitan a través de Habitat for Humanity of Taos, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Open application cycle with selection by the affiliate Family Selection Committee; current cycle open through May 31, 2026, selection June 30, 2026. 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.