Habitat for Humanity of Greater Birmingham Homeownership Program

Ang Habitat for Humanity of Greater Birmingham Homeownership Program ay tulong sa down payment para sa mga bibili ng bahay sa Fairfield, Alabama, na pinangangasiwaan ng Habitat for Humanity of Greater Birmingham. Habitat for Humanity of Greater Birmingham builds and sells affordable homes to income-qualified families in Jefferson, Shelby, Walker, and St. Clair counties. Selected applicants partner with Habitat by completing homeowner education and sweat-equity hours, paying a $2,000 down payment, and purchasing the home with an affordable mortgage. Homeowners are chosen by a volunteer Family Selection Committee based on need, willingness to partner, and ability to repay. Affordable home built/rehabbed by Habitat. Affordable mortgage geared to ability to repay. Homeowner education workshops. Path to homeownership for low-to-moderate income families.

Ang Habitat for Humanity of Greater Birmingham Homeownership Program ay tulong sa down payment at binabayaran ayon sa mga tuntuning itinakda ng Habitat for Humanity of Greater Birmingham. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Habitat for Humanity of Greater Birmingham Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Habitat Birmingham homeowner education workshops (minimum 10 hours). Requirement sa paninirahan: Must reside in Jefferson, Shelby, Walker, or St. Clair counties for at least one year before applying. Citizenship o katayuan sa imigrasyon: Must show proof of legal residency. Requires a minimum 250 sweat-equity hours and 10 hours homeowner education. Selection by volunteer Family Selection Committee (need, willingness to partner, ability to repay). Credit: no unpaid collections/judgments/liens; foreclosure/eviction at least 36 months old; bankruptcy discharged with 3 years established credit; verifiable income at least one year. GAPS (not published): assistance dollar amount, sale price, mortgage rate/term, lien position, min credit score, max purchase price, recapture/repayment triggers, manufactured/new-construction eligibility, HUD AMI year, income_limit_amount.

Nililimitahan ng Habitat for Humanity of Greater Birmingham Homeownership Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Total household income must fall within 40-80 percent of the Jefferson County area median income. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Magagamit ang Habitat for Humanity of Greater Birmingham Homeownership Program para sa Single Family.

Pinaglilingkuran ng Habitat for Humanity of Greater Birmingham Homeownership Program ang mga bibili ng bahay sa Fairfield, Alabama.

Dumadaan sa Habitat for Humanity of Greater Birmingham ang mga aplikasyon para sa Habitat for Humanity of Greater Birmingham Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.