New River Home Trust (Community Land Trust)

New River Home Trust (Community Land Trust) é um empréstimo com valorização compartilhada para compradores de imóveis em Blacksburg, Virginia, administrado por 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. Os recursos vêm de 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) é um empréstimo com valorização compartilhada e é reembolsado nas condições definidas por New River Home Trust (a program of Community Housing Partners). O reembolso é acionado por Sale or transfer (restricted resale formula under the ground lease). As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

New River Home Trust (Community Land Trust) é aberto a compradores de imóveis que vão morar no imóvel como residência principal. Sobre crédito, o programa afirma: No specific minimum published; a $35 soft credit check is performed; staff help buyers become mortgage-ready. É exigido um curso de educação para compradores de imóveis, por meio de HUD-approved housing counseling required; Community Housing Partners is a HUD-approved counseling agency and NRHT provides counseling in-house. Requisito de residência: 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 a renda familiar a 120% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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. O limite vale para a renda total da família, não só a do mutuário. 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.

New River Home Trust (Community Land Trust) limita o preço de compra assim: No fixed maximum; prices set below market via the CLT land-cost subsidy (first NRHT home closed roughly $100,000 below market value). Os tipos de imóvel elegíveis incluem Single Family. Construções novas são elegíveis.

New River Home Trust (Community Land Trust) atende compradores de imóveis que compram em Blacksburg, Virginia. O programa é voltado para áreas específicas: Place-based in Montgomery County, VA (Blacksburg, including a neighborhood near Virginia Tech; Stroubles Ridge). Bairros prioritários: Montgomery County, VA, including Blacksburg (Stroubles Ridge).

As inscrições para New River Home Trust (Community Land Trust) são feitas por meio de New River Home Trust (a program of Community Housing Partners), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Application-based; eligibility determination ~48 hours; eligible buyers receive an Eligibility Letter and are matched to available CLT homes. 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.