Sheridan County Housing Land Trust (SCHLT) Homeownership Program

Sheridan County Housing Land Trust (SCHLT) Homeownership Program es un préstamo de plusvalía compartida para compradores de vivienda en Sheridan, Wyoming, a cargo de Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). The Sheridan County Housing Land Trust, operated under Habitat for Humanity of the Eastern Bighorns and funded with City/County ARPA dollars, sells below-market homes to income-eligible households who own the home and lease the land held in trust. Buyers must earn between 60% and 120% of Sheridan County AMI, have liquid assets at or below the 4-person median income limit ($108,000 in 2025), and contribute $1,500 toward down payment and closing costs. At resale the home price is restricted to preserve affordability, with the owner keeping principal-paydown equity plus 2% simple annual appreciation and approved improvement credits. Below-market purchase price. Build equity through 2% annual appreciation plus mortgage paydown. Low $1,500 down payment requirement. Entry point to ownership for local workforce. Lenders familiar with the model. Los fondos provienen de City of Sheridan and Sheridan County ARPA funds ($3 million allocated); donated homes.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program es un préstamo de plusvalía compartida y se reembolsa según los términos que fija Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). El reembolso se activa por Resale of home; resale price restricted to original purchase price plus 2% simple interest per year of ownership plus approved capital improvement credits. 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.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Must obtain mortgage prequalification from a lender; no published minimum credit score. Se requiere un curso de educación para compradores de vivienda, a través de Fannie Mae Homebuyer course; SCHLT homebuyer education class. Requisito de residencia: Open to those working/living in Sheridan or Johnson counties; remote workers welcome. Ciudadanía o situación migratoria: Must be a U.S. citizen and 18 years or older. Land-lease fees apply ($50/month lease + $20/month reserve); must occupy as primary residence at least 10 months/year; no subletting or short-term rentals without board exception; no co-signers; cannot already own real estate at purchase; points-based ranked selection. Gaps: exact credit score minimum, DTI, mortgage term, and AMI dollar figures by household size not published.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program fija su límite de ingresos así: Household gross annual income must fall between 60% and 120% of HUD Area Median Income for Sheridan County, WY, based on household size. 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.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program limita el precio de compra así: Homes priced significantly below market for income-eligible households. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program atiende a compradores de vivienda que compran en Sheridan, Wyoming.

Las solicitudes de Sheridan County Housing Land Trust (SCHLT) Homeownership Program se tramitan a través de Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Points-based ranked applicant pool; highest-ranking applicants offered homes as they become available. 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.