Sawmill Community Land Trust Homebuyer Program

Sawmill Community Land Trust Homebuyer Program é um empréstimo com valorização compartilhada para compradores de imóveis em Albuquerque, New Mexico, administrado por 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. Os recursos vêm 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 é um empréstimo com valorização compartilhada e é reembolsado nas condições definidas por Sawmill Community Land Trust. O reembolso é acionado por Resale of the home; resale price is restricted by the ground lease formula to preserve affordability for the next buyer. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Sawmill Community Land Trust Homebuyer Program é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: Eligible if the applicant has not owned a home in the past three years. É exigido um curso de educação para compradores de imóveis, por meio 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 limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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. O limite vale para a renda total da família, não só a do mutuário. O programa indica um tamanho máximo de família de 8. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Sawmill Community Land Trust Homebuyer Program limita o preço de compra assim: Homes are price-restricted/affordable homes sold within the community land trust (price set under the CLT model); not a fixed published cap. Os tipos de imóvel elegíveis incluem Single Family, Condo e Townhouse. Construções novas são elegíveis. Casas pré-fabricadas não são elegíveis.

Sawmill Community Land Trust Homebuyer Program atende compradores de imóveis que compram em Albuquerque, New Mexico.

As inscrições para Sawmill Community Land Trust Homebuyer Program são feitas por meio de Sawmill Community Land Trust, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Submit homebuyer application to SCLT; applications reviewed and qualified buyers contacted for next steps. Homes are sold as available within the land trust. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.