Richmond Metropolitan Habitat for Humanity Homeownership Program

Richmond Metropolitan Habitat for Humanity Homeownership Program es una primera hipoteca para compradores de vivienda en Richmond, Virginia, a cargo de Richmond Metropolitan Habitat for Humanity. Richmond Metropolitan Habitat for Humanity's Homeownership Program offers affordable, sweat-equity homeownership to qualifying households at or below 80% AMI in the City of Richmond, Chesterfield County, and Henrico County, VA. Selected partner families purchase a Habitat-built or rehabilitated single-family home with an affordable mortgage (payment capped at 30% of gross income), originated and serviced by the affiliate, after completing 350 sweat-equity hours, Homebuyer Club classes, and budgeting meetings. The program is active and recruiting (Homeowner Orientation classes held regularly; homes currently for sale; FY25 HUD income guidelines). Affordable mortgage payment capped at 30% of gross income. no traditional down payment (sweat equity substitutes). Habitat-built/rehabbed single-family home. homebuyer education and budgeting support. Los fondos provienen de Donations, recycled mortgage payments, grants, and ReStore proceeds.

Richmond Metropolitan Habitat for Humanity Homeownership Program es una primera hipoteca y se reembolsa según los términos que fija Richmond Metropolitan Habitat for Humanity. El reembolso se activa por Affordable Habitat mortgage payments (payment not exceeding 30% of gross income); the home is purchased, not granted. 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.

Richmond Metropolitan Habitat for Humanity Homeownership Program 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. Credit criteria: no unpaid non-medical charge-offs; no collections or unpaid judgments; pays rent on time; bankruptcy/foreclosure stipulations apply. Se requiere un curso de educación para compradores de vivienda, a través de Richmond Metropolitan Habitat for Humanity (Homeowner Orientation, Homebuyer Club classes, one-on-one budgeting). Requisito de residencia: Serves City of Richmond, Chesterfield County, and Henrico County, VA. Ciudadanía o situación migratoria: Must be a US Citizen or Permanent Resident. Three guidelines: need, ability to pay (income within guidelines, payment <=30% gross, clean credit, two years stable income, non-mortgage debt <=13% of income), willingness to partner (350 sweat-equity hours, classes, budgeting). Must be US Citizen or Permanent Resident; criminal background check; cannot serve applicants with a registered sex offender in the household. Distinct from Habitat of Greater Charlottesville and Maggie Walker CLT.

Richmond Metropolitan Habitat for Humanity Homeownership Program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Serves households at or below 80% AMI for the Richmond MSA (FY25 HUD). Max annual income: 1=$63,600; 2=$72,650; 3=$81,750; 4=$90,800; 5=$98,100; 6=$105,350; 7=$112,600; 8=$119,900. Minimum income also applies (1-5=$40,000; 6=$43,150; 7=$48,650; 8=$54,150). El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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.

Richmond Metropolitan Habitat for Humanity Homeownership Program limita el precio de compra así: Homes sold with an affordable mortgage (payment not exceeding 30% of gross income); specific max not published. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Richmond Metropolitan Habitat for Humanity Homeownership Program atiende a compradores de vivienda que compran en Richmond, Virginia.

Las solicitudes de Richmond Metropolitan Habitat for Humanity Homeownership Program se tramitan a través de Richmond Metropolitan 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 Attend a Homeowner Orientation class, then apply; Homeowner Selection Committee assesses need, ability to pay, and willingness to partner. 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.