Sawmill Community Land Trust Homebuyer Program

Sawmill Community Land Trust Homebuyer Program è un prestito a rivalutazione condivisa per chi compra casa in Albuquerque, New Mexico, gestito da 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. I fondi provengono da 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 è un prestito a rivalutazione condivisa e si restituisce secondo le condizioni fissate da Sawmill Community Land Trust. Il rimborso scatta in caso di Resale of the home; resale price is restricted by the ground lease formula to preserve affordability for the next buyer. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

Sawmill Community Land Trust Homebuyer Program è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: Eligible if the applicant has not owned a home in the past three years. È richiesto un corso per chi compra casa, tramite 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 limita il reddito familiare al 80% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. 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. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. Il programma indica una dimensione massima del nucleo familiare di 8. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

Sawmill Community Land Trust Homebuyer Program limita il prezzo di acquisto così: Homes are price-restricted/affordable homes sold within the community land trust (price set under the CLT model); not a fixed published cap. I tipi di immobile idonei includono Single Family, Condo e Townhouse. Le nuove costruzioni sono idonee. Le case prefabbricate non sono idonee.

Sawmill Community Land Trust Homebuyer Program si rivolge a chi compra casa in Albuquerque, New Mexico.

Le domande per Sawmill Community Land Trust Homebuyer Program passano da Sawmill Community Land Trust, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite 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 non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.