Church Community Housing Corporation Community Land Trust Homeownership Program

Church Community Housing Corporation Community Land Trust Homeownership Program es un préstamo de plusvalía compartida para compradores de vivienda en Newport, Rhode Island, a cargo de Church Community Housing Corporation (CCHC). Church Community Housing Corporation, a nonprofit founded in 1969 serving Newport County, RI, creates permanently affordable homeownership through a Community Land Trust (CLT) model. CCHC sells the home to an income-qualified buyer while retaining ownership of the underlying land, which lowers the purchase price and keeps the home affordable for future low-to-moderate-income families. CLT homes are available exclusively to graduates of CCHC's first-time homebuyer training course, and a long-term ground lease with resale restrictions preserves affordability across generations. Below-market purchase price via land trust. Permanently affordable homeownership. Mandatory homebuyer education and one-on-one budget/credit counseling. Ground-lease support. Los fondos provienen de Church Community Housing Corporation (nonprofit CDC) land trust.

Church Community Housing Corporation Community Land Trust Homeownership Program es un préstamo de plusvalía compartida y se reembolsa según los términos que fija Church Community Housing Corporation (CCHC). El reembolso se activa por Resale of the home is governed by the CLT ground lease, which caps the resale price (limited equity) so the home remains affordable to the next income-qualified buyer; the land trust retains ownership of the land. 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.

Church Community Housing Corporation Community Land Trust 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: Not published; buyers must qualify for a mortgage. Credit reviewed one-on-one during required homebuyer training. Se requiere un curso de educación para compradores de vivienda, a través de CCHC homebuyer training (online via Zoom); includes one-on-one appointments with the Homebuyer Trainer to build a household budget and review credit. Register with Aubrey Collins, (401) 846-5114 ext. 111. This is a Community Land Trust (limited-equity) homeownership program, NOT a cash down payment assistance grant or loan. Affordability comes from CCHC retaining the land and a resale-restricted ground lease. Completion of CCHC's homebuyer training is mandatory; CLT homes are exclusively available to course graduates.

Church Community Housing Corporation Community Land Trust Homeownership Program fija su límite de ingresos así: Restricted to low- and moderate-income households; CCHC guarantees future buyers are low-to-moderate-income. Specific income limits/AMI percentage are not published on the official site and vary by funding source and individual development. 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.

Church Community Housing Corporation Community Land Trust Homeownership Program limita el precio de compra así: Purchase price is reduced because CCHC retains the land; specific price by home/development not published online. Los tipos de propiedad elegibles incluyen Single Family y Condo. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Church Community Housing Corporation Community Land Trust Homeownership Program atiende a compradores de vivienda que compran en Newport, Rhode Island.

Las solicitudes de Church Community Housing Corporation Community Land Trust Homeownership Program se tramitan a través de Church Community Housing Corporation (CCHC), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Contact CCHC; CLT homes available only to graduates of CCHC's homebuyer training. 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.