New River Home Trust (Community Land Trust)

New River Home Trust (Community Land Trust) è un prestito a rivalutazione condivisa per chi compra casa in Blacksburg, Virginia, gestito da 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. I fondi provengono da 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) è un prestito a rivalutazione condivisa e si restituisce secondo le condizioni fissate da New River Home Trust (a program of Community Housing Partners). Il rimborso scatta in caso di Sale or transfer (restricted resale formula under the ground lease). Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

New River Home Trust (Community Land Trust) è aperto a chi compra casa e ci vivrà come residenza principale. Sul credito, il programma afferma: No specific minimum published; a $35 soft credit check is performed; staff help buyers become mortgage-ready. È richiesto un corso per chi compra casa, tramite HUD-approved housing counseling required; Community Housing Partners is a HUD-approved counseling agency and NRHT provides counseling in-house. Requisito di residenza: 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 il reddito familiare al 120% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. 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. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. 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.

New River Home Trust (Community Land Trust) limita il prezzo di acquisto così: No fixed maximum; prices set below market via the CLT land-cost subsidy (first NRHT home closed roughly $100,000 below market value). I tipi di immobile idonei includono Single Family. Le nuove costruzioni sono idonee.

New River Home Trust (Community Land Trust) si rivolge a chi compra casa in Blacksburg, Virginia. Il programma si rivolge a zone specifiche: Place-based in Montgomery County, VA (Blacksburg, including a neighborhood near Virginia Tech; Stroubles Ridge). Quartieri interessati: Montgomery County, VA, including Blacksburg (Stroubles Ridge).

Le domande per New River Home Trust (Community Land Trust) passano da New River Home Trust (a program of Community Housing Partners), che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite Application-based; eligibility determination ~48 hours; eligible buyers receive an Eligibility Letter and are matched to available CLT homes. 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.