New River Home Trust (Community Land Trust)

New River Home Trust (Community Land Trust) es un préstamo de plusvalía compartida para compradores de vivienda en Blacksburg, Virginia, a cargo de New River Home Trust (a program of Community Housing Partners). The New River Home Trust (NRHT) is a community land trust created in 2023 in partnership with Montgomery County and the Town of Blacksburg, operating as a program of Community Housing Partners. It develops permanently affordable for-sale homes in Montgomery County, VA for households up to 80%, 100%, or 120% AMI (by property). Buyers purchase only the home and lease the land via a 99-year renewable ground lease ($10-$25/month), removing land cost from the price (first home sold roughly $100,000 below market). Affordability is preserved through an AMI-indexed resale restriction while homeowners still build equity through principal reduction, limited appreciation, and approved improvements. Below-market purchase price via removal of land cost. permanently affordable homeownership. fixed low ground-lease fee ($10-$25, not increased for 99 years). equity through principal and limited appreciation. one-time income qualification. in-house HUD-approved counseling. Los fondos provienen de Local government and partner investment (Montgomery County and the Town of Blacksburg); developed with Community Housing Partners and Habitat for Humanity.

New River Home Trust (Community Land Trust) es un préstamo de plusvalía compartida y se reembolsa según los términos que fija New River Home Trust (a program of Community Housing Partners). El reembolso se activa por Sale or transfer (restricted resale formula under the ground lease). 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.

New River Home Trust (Community Land Trust) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: No specific minimum published; a $35 soft credit check is performed; staff help buyers become mortgage-ready. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved housing counseling required; Community Housing Partners is a HUD-approved counseling agency and NRHT provides counseling in-house. Requisito de residencia: Serves Montgomery County, VA; those who live or work in the New River Valley encouraged to apply. Permanent affordability via CLT ground lease; one-time income qualification at purchase (80/100/120% AMI tier by property); must occupy as primary residence; HUD-approved counseling/education required; finance through an NRHT Approved Lender. Distinct from CHP's statewide DHCD DPA and from Maggie Walker CLT (Richmond).

New River Home Trust (Community Land Trust) limita el ingreso del hogar al 120% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Income qualified once at purchase using HUD AMI for Montgomery County, updated annually; three tiers (80/100/120% AMI). 2026 Montgomery County max household income — 80% AMI 4p $95,700; 100% AMI 4p $119,600; 120% AMI 4p $143,500 (1-8 person tables published). Income may rise after purchase without penalty. 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.

New River Home Trust (Community Land Trust) limita el precio de compra así: No fixed maximum; prices set below market via the CLT land-cost subsidy (first NRHT home closed roughly $100,000 below market value). Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible.

New River Home Trust (Community Land Trust) atiende a compradores de vivienda que compran en Blacksburg, Virginia. El programa se dirige a áreas específicas: Place-based in Montgomery County, VA (Blacksburg, including a neighborhood near Virginia Tech; Stroubles Ridge). Vecindarios prioritarios: Montgomery County, VA, including Blacksburg (Stroubles Ridge).

Las solicitudes de New River Home Trust (Community Land Trust) se tramitan a través de New River Home Trust (a program of Community Housing Partners), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Application-based; eligibility determination ~48 hours; eligible buyers receive an Eligibility Letter and are matched to available CLT homes. 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.