Santa Fe Habitat for Humanity Homeownership Program

Santa Fe Habitat for Humanity Homeownership Program es una primera hipoteca para compradores de vivienda en Santa Fe, New Mexico, a cargo de Santa Fe Habitat for Humanity. Santa Fe Habitat for Humanity selects income-qualified partner families in Santa Fe County to buy a home they help build, financed with a typically 30-year 0% interest mortgage and a $1,300 down payment. Income must fall within published minimum and maximum limits by family size, and applicants must hold no more than $20,000 in assets. Selected families complete 350-500 sweat-equity hours. 30-year 0% interest mortgage. Low $1,300 down payment. Payments based on income at closing. Homebuyer education and an assigned advocate. Builds equity and long-term stability. Los fondos provienen de Santa Fe Habitat for Humanity (donations, ReStore proceeds, grants, City of Santa Fe general-fund contract); volunteer-built homes.

Santa Fe Habitat for Humanity Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija Santa Fe Habitat for Humanity. El reembolso se activa por 30-year 0% mortgage repaid in monthly installments based on income at closing; an affordability/recapture lien may apply on resale. Specific recapture terms not published on the primary source. La ayuda se registra con un gravamen en posición First (mortgage held by Santa Fe Habitat for Humanity). 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.

Santa Fe 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; a credit report is obtained and ability to pay is assessed during financial review. Se requiere un curso de educación para compradores de vivienda, a través de Santa Fe Habitat for Humanity (homebuyer education as part of the partner-family process). Requisito de residencia: Must have lived or worked in Santa Fe County for at least one full year at the time of application. Ciudadanía o situación migratoria: U.S. citizenship not required, but at least one applicant must be a lawful permanent resident. Applicant must hold no more than $20,000 in assets at time of application. Sweat equity of 350-500 hours required (family members signing the mortgage must complete 168-240 of those hours; the remainder may be done by other family/friends). Application window opens periodically (not always open); process can take up to three months plus ~15 months to build. At least one applicant must be a lawful permanent resident. Specific recapture/affordability lien terms not published on the primary source.

Santa Fe Habitat for Humanity Homeownership Program limita el ingreso del hogar a $79,600. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 6. 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.

Santa Fe 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.

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

Las solicitudes de Santa Fe Habitat for Humanity Homeownership Program se tramitan a través de Santa Fe Habitat for Humanity, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application window opens periodically; applicants make an inquiry by phone or in person and are contacted when the window opens. Process can take up to three months; home build adds ~15 months. 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.