Sheridan County Housing Land Trust (SCHLT) Homeownership Program

Sheridan County Housing Land Trust (SCHLT) Homeownership Program é um empréstimo com valorização compartilhada para compradores de imóveis em Sheridan, Wyoming, administrado por Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). The Sheridan County Housing Land Trust, operated under Habitat for Humanity of the Eastern Bighorns and funded with City/County ARPA dollars, sells below-market homes to income-eligible households who own the home and lease the land held in trust. Buyers must earn between 60% and 120% of Sheridan County AMI, have liquid assets at or below the 4-person median income limit ($108,000 in 2025), and contribute $1,500 toward down payment and closing costs. At resale the home price is restricted to preserve affordability, with the owner keeping principal-paydown equity plus 2% simple annual appreciation and approved improvement credits. Below-market purchase price. Build equity through 2% annual appreciation plus mortgage paydown. Low $1,500 down payment requirement. Entry point to ownership for local workforce. Lenders familiar with the model. Os recursos vêm de City of Sheridan and Sheridan County ARPA funds ($3 million allocated); donated homes.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program é um empréstimo com valorização compartilhada e é reembolsado nas condições definidas por Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). O reembolso é acionado por Resale of home; resale price restricted to original purchase price plus 2% simple interest per year of ownership plus approved capital improvement credits. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program é aberto a compradores de imóveis que vão morar no imóvel como residência principal. Sobre crédito, o programa afirma: Must obtain mortgage prequalification from a lender; no published minimum credit score. É exigido um curso de educação para compradores de imóveis, por meio de Fannie Mae Homebuyer course; SCHLT homebuyer education class. Requisito de residência: Open to those working/living in Sheridan or Johnson counties; remote workers welcome. Cidadania ou situação imigratória: Must be a U.S. citizen and 18 years or older. Land-lease fees apply ($50/month lease + $20/month reserve); must occupy as primary residence at least 10 months/year; no subletting or short-term rentals without board exception; no co-signers; cannot already own real estate at purchase; points-based ranked selection. Gaps: exact credit score minimum, DTI, mortgage term, and AMI dollar figures by household size not published.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program define seu limite de renda assim: Household gross annual income must fall between 60% and 120% of HUD Area Median Income for Sheridan County, WY, based on household size. 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.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program limita o preço de compra assim: Homes priced significantly below market for income-eligible households. Os tipos de imóvel elegíveis incluem Single Family. Construções novas são elegíveis. Casas pré-fabricadas não são elegíveis.

Sheridan County Housing Land Trust (SCHLT) Homeownership Program atende compradores de imóveis que compram em Sheridan, Wyoming.

As inscrições para Sheridan County Housing Land Trust (SCHLT) Homeownership Program são feitas por meio de Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Points-based ranked applicant pool; highest-ranking applicants offered homes as they become available. 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.