People's Housing+ Community Land Trust Homeownership Program

Ang People's Housing+ Community Land Trust Homeownership Program ay isang shared-appreciation loan para sa mga bibili ng bahay sa New Orleans, Louisiana, na pinangangasiwaan ng People's Housing+ (PH+). People's Housing+ (the operating CLT entity carrying forward the Crescent City Community Land Trust / Home by Hand work in New Orleans) sells newly constructed, permanently affordable single-family homes to households at or below 80% AMI (limited opportunities to 120% AMI) in Orleans Parish. Under its community land trust shared-equity model, PH+ retains the land and leases it via a long-term ground lease, lowering purchase cost. Buyers receive substantial built-in subsidies; a CLT resale formula caps future appreciation so homes remain affordable. Permanently affordable purchase price. up to $60,000 (CLT) / $100,000 (other) built-in subsidies. new EnergyStar 3.0 construction. ongoing PH+ coaching. build wealth via shared equity. Ang pondo ay mula sa Mix of public and private: foundations, public entities (e.g., NORA O-HIP), financial institutions, private donors.

Nag-aalok ang People's Housing+ Community Land Trust Homeownership Program ng tulong na hanggang $100,000. Mga award tier: Most homes cap at 80% AMI; limited opportunities up to 120% AMI. Ambag ng bibili ng bahay: At least 1% of purchase price as down payment (veterans may qualify for no-down-payment financing). Maaaring isama ang programa sa City of New Orleans first-time homebuyer soft second / closing cost assistance has historically combined with CLT purchases; PH+ subsidies built into pricing. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang People's Housing+ (PH+) ang nagpapasya sa anumang indibidwal na award.

Ang People's Housing+ Community Land Trust Homeownership Program ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng People's Housing+ (PH+). Kailangang bayaran kapag may Resale of home; CLT sets resale price under a shared-equity formula (99-year ground lease). 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 People's Housing+ Community Land Trust Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Not published; buyer must qualify for a first mortgage (PH+ assists pre-qualification). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng People's Housing+ (12-hour homebuyer training course; Financial Fitness & Workshops). Requirement sa paninirahan: Occupy as primary residence minimum 3 years (varies by income/subsidy). Must qualify for a first mortgage; occupy as primary residence min 3 years (varies by subsidy); contribute >=1% down (veterans may get no-down financing); complete 12-hour homebuyer training; maintain liability/flood/termite insurance; sign CLT ground lease with resale restrictions. Orleans Parish only. Loan term/rate type not published. Two differing 2025 80% AMI charts on site (4-person $70,880 vs $71,850). Min credit score not published.

Nililimitahan ng People's Housing+ Community Land Trust Homeownership Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income at or below 80% AMI for Orleans Parish (2025 4-person limit $71,850 per eligibility page; income-limits chart lists $70,880). Limited opportunities up to 120% AMI. Entire household income counted. 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.

Ganito nililimitahan ng People's Housing+ Community Land Trust Homeownership Program ang presyo ng pagbili: Homes sold at set affordable prices; CLT homes ~$150,000 (up to $60,000 subsidy); other PH+ homes $205,000-$350,000 with up to $45,500-$100,000 subsidy. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay.

Binabanggit ng People's Housing+ Community Land Trust Homeownership Program ang mga beterano sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng People's Housing+ Community Land Trust Homeownership Program ang mga bibili ng bahay sa New Orleans, Louisiana. Tinutukoy ng programa ang mga partikular na lugar: New Orleans (Orleans Parish). Neighborhoods: New Orleans East, Gentilly, Treme, 7th Ward, Tulane/Gravier, Broadmoor, Central City, Hoffman Triangle. CLT homes in Central City and Broadmoor.

Dumadaan sa People's Housing+ (PH+) ang mga aplikasyon para sa People's Housing+ Community Land Trust Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Pre-sale model: PH+ identifies buyers and signs purchase contracts ~60 days before completion; lot selection by preference order when buyers exceed homes. 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.