SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer) es un préstamo de plusvalía compartida para compradores de vivienda en Providence, Rhode Island, a cargo de SWAP Inc. (Stop Wasting Abandoned Property) / SWAP CLT. SWAP, Inc. is a Providence nonprofit community development corporation (founded 1975) that develops and builds entry-level homes for sale to low- and moderate-income first-time buyers, with affordability preserved through its SWAP Community Land Trust. Its 'Build a Buyer' program consolidates SWAP's financial literacy and homebuyer-counseling services, pairing a HUD-approved 8-hour homebuyer education course with one-on-one credit/financial coaching (the Individual Workout Program) to move clients from renters to successful homeowners. SWAP is a HUD-approved housing counseling agency. Below-market entry-level homes for sale. Permanently affordable homeownership via SWAP CLT. HUD-approved 8-hour homebuyer education. One-on-one financial/credit coaching (Individual Workout Program). Landlord/tenant education for multi-family buyers. Los fondos provienen de SWAP Inc. / SWAP CLT (nonprofit CDC), bank loans and limited government subsidy.

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer) es un préstamo de plusvalía compartida y se reembolsa según los términos que fija SWAP Inc. (Stop Wasting Abandoned Property) / SWAP CLT. El reembolso se activa por For CLT homes, resale is governed by the SWAP CLT ground lease, which restricts the resale price to keep the home affordable for the next income-qualified buyer. 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.

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer) 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 receive credit counseling through SWAP's Individual Workout Program and must qualify for a mortgage. Se requiere un curso de educación para compradores de vivienda, a través de SWAP 4-week homebuyer education course (HUD-approved, 8 hours); SWAP Individual Workout (IWO) one-on-one credit/financial coaching; SWAP Landlord/Tenant 3-hour course for multi-family buyers. Register at (401) 272-0526. This is a nonprofit affordable-homeownership / Community Land Trust program plus HUD-approved homebuyer counseling, NOT a cash down payment assistance grant or loan. Completion of SWAP's homebuyer education is part of the path to purchase.

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer) fija su límite de ingresos así: Restricted to persons of low and moderate income (per SWAP's mission); specific income limits/AMI percentage are not published on the official site and vary by development and funding source. 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.

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer) limita el precio de compra así: Entry-level / below-market homes; price reduced for CLT homes because the SWAP CLT retains the land. Specific prices not published online. Los tipos de propiedad elegibles incluyen Single Family, Condo y 2-4 Unit. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer) atiende a compradores de vivienda que compran en Providence, Rhode Island.

Las solicitudes de SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer) se tramitan a través de SWAP Inc. (Stop Wasting Abandoned Property) / SWAP CLT, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Contact SWAP at (401) 272-0526; intake system gathers a financial baseline for each prospective buyer. 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.