Habitat for Humanity of Huron Valley Home Ownership Program

Ang Habitat for Humanity of Huron Valley Home Ownership Program ay tulong sa down payment para sa mga bibili ng bahay sa Ann Arbor, Michigan, na pinangangasiwaan ng Habitat for Humanity of Huron Valley. Habitat for Humanity of Huron Valley sells newly renovated, energy-efficient homes in Washtenaw County to income-qualified first-time buyers and finances them with an affordable Habitat mortgage. Applicants are selected on housing need, willingness to partner, and ability to pay, and must contribute 250 sweat-equity hours per adult plus complete required homeowner education. Household income must fall between 30% and 80% of Washtenaw County AMI. Affordable Habitat-held mortgage. Newly renovated energy-efficient home. Required education and financial coaching. Path to homeownership for 30-80% AMI households.

Ang Habitat for Humanity of Huron Valley Home Ownership Program ay tulong sa down payment at binabayaran ayon sa mga tuntuning itinakda ng Habitat for Humanity of Huron Valley. Kailangang bayaran kapag may Affordable Habitat mortgage held by the affiliate; standard owner-occupancy resale terms apply. Nakatala ang tulong bilang lien sa posisyong First mortgage (Habitat-held). 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 Huron Valley Home Ownership Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Must not currently own a home or be on a mortgage. Tungkol sa credit, sinasabi ng programa: No perfect credit required; must show ability to make regular payments. Collections/past-due/judgments/liens must be resolved; unresolved negatives are denied. 2+ years since any bankruptcy discharge. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Habitat for Humanity of Huron Valley (Legal Orientation, Home Maintenance, Pre-Purchase Education, 9-week/18-hour Financial Management Training). Requirement sa paninirahan: Must live or work in Washtenaw County. Citizenship o katayuan sa imigrasyon: U.S. citizenship, permanent residency, or eligible immigration status. Sweat-equity homeownership model (not a cash DPA): 250 sweat-equity hours per adult over 21. Must live or work in Washtenaw County, not currently own a home, and be 2+ years past any bankruptcy. Down payment required before closing. Background check, rental history, income/asset verification, and home visit required. Income min/max set annually by family size; published guideline table was last dated 2018-19 at review.

Nililimitahan ng Habitat for Humanity of Huron Valley Home Ownership Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Qualifying household income 30%-80% of Washtenaw County AMI (HUD-based), with annual min/max thresholds by family size. 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 Huron Valley Home Ownership Program para sa Single Family.

Pinaglilingkuran ng Habitat for Humanity of Huron Valley Home Ownership Program ang mga bibili ng bahay sa Ann Arbor, Michigan.

Dumadaan sa Habitat for Humanity of Huron Valley ang mga aplikasyon para sa Habitat for Humanity of Huron Valley Home Ownership 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.