Sawmill Community Land Trust Homebuyer Program

Sawmill Community Land Trust Homebuyer Program est un prêt à plus-value partagée pour les futurs propriétaires de Albuquerque, New Mexico, sous la gestion de Sawmill Community Land Trust. Sawmill Community Land Trust (SCLT) is an Albuquerque 501(c)(3) community land trust that provides permanently affordable homes for low- to moderate-income, income-qualified first-time homebuyers who can secure a conventional mortgage. Down-payment assistance is available to income-qualified first-time buyers (or those who have not owned a home in the past three years) earning at or below 80% of the Albuquerque AMI. Buyers own their home and lease the land from the trust under a 99-year renewable ground lease; in exchange they agree to resale restrictions that keep the home affordable for future buyers. SCLT also provides HUD-certified homebuyer education, financial counseling, and post-purchase support. Down-payment assistance for income-qualified first-time buyers; access to permanently affordable, below-market homes; low monthly land-lease fee; HUD-certified homebuyer education, counseling, and post-purchase support. Le financement provient de Sawmill Community Land Trust; City of Albuquerque Affordable Homeownership Assistance (CDBG/HOME subrecipient funds) supports down-payment/mortgage-reduction assistance for SCLT buyers.

Sawmill Community Land Trust Homebuyer Program est un prêt à plus-value partagée, remboursable selon les conditions fixées par Sawmill Community Land Trust. Le remboursement est déclenché par Resale of the home; resale price is restricted by the ground lease formula to preserve affordability for the next buyer. Les conditions d’annulation et de remboursement sont fixées par le programme et peuvent changer — vérifiez-les sur la page officielle du programme avant de déposer une demande.

Sawmill Community Land Trust Homebuyer Program est ouvert à les primo-accédants et les futurs propriétaires qui occuperont le logement comme résidence principale. « Primo-accédant » comporte ici des exceptions : Eligible if the applicant has not owned a home in the past three years. Un cours pour futurs propriétaires est obligatoire, auprès de Sawmill Community Land Trust (HUD-certified homebuyer education and financial counseling). Buyer must be income-qualified (<=80% AMI), a first-time homebuyer (or not have owned in past 3 years), occupy the home as a primary residence, secure a conventional first mortgage, and sign a 99-year renewable ground lease with resale restrictions. Exact dollar amount of down-payment assistance, interest rate, lien position, term, DTI, credit score, and fees are not published on the SCLT primary-source pages and were left blank rather than guessed; prospective buyers should contact SCLT for current terms. Down-payment/mortgage-reduction assistance for SCLT buyers is partly funded through the City of Albuquerque's Affordable Homeownership Assistance program (CDBG/HOME).

Sawmill Community Land Trust Homebuyer Program plafonne le revenu du ménage à 80 % du revenu médian de la zone, qui varie selon le comté et la taille du ménage. Combined household annual income at or below 80% of the Albuquerque Area Median Income (AMI). Published 80% AMI limits by household size: 1=$51,200; 2=$58,500; 3=$65,800; 4=$73,100; 5=$78,950; 6=$84,800; 7=$90,650; 8=$95,500. Le plafond s’applique au revenu total du ménage, pas seulement à celui de l’emprunteur. Le programme indique une taille de ménage maximale de 8. Les chiffres du revenu médian de la zone sont publiés par HUD et mis à jour chaque année : consultez le tableau en vigueur pour le comté avant de vous fier à un chiffre.

Sawmill Community Land Trust Homebuyer Program plafonne le prix d’achat ainsi : Homes are price-restricted/affordable homes sold within the community land trust (price set under the CLT model); not a fixed published cap. Les types de logements admissibles comprennent Single Family, Condo et Townhouse. Les constructions neuves sont admissibles. Les maisons préfabriquées ne sont pas admissibles.

Sawmill Community Land Trust Homebuyer Program s’adresse aux futurs propriétaires qui achètent à Albuquerque, New Mexico.

Les demandes pour Sawmill Community Land Trust Homebuyer Program passent par Sawmill Community Land Trust, qui publie les conditions en vigueur et les étapes de la demande sur son propre site. Les fonds sont réservés par l’intermédiaire de Submit homebuyer application to SCLT; applications reviewed and qualified buyers contacted for next steps. Homes are sold as available within the land trust. Hey Prescott n’est pas un prêteur et n’accepte pas de demandes ; cette page décrit le programme pour qu’un futur propriétaire puisse en parler à un prêteur ou à un conseiller en logement.