Greater Albuquerque Habitat for Humanity Homeownership Program

Ang Greater Albuquerque Habitat for Humanity Homeownership Program ay isang unang mortgage para sa mga bibili ng bahay sa Albuquerque, New Mexico, na pinangangasiwaan ng Greater Albuquerque Habitat for Humanity (GAHH). Greater Albuquerque Habitat for Humanity builds affordable, energy-efficient entry-level homes for income-qualified first-time homebuyers in Bernalillo and South Sandoval counties and sells them with an interest-free (0%) mortgage and a low down payment. Selected families contribute 350 hours of sweat equity and complete homebuyer education. Income must be between 50% and 80% of Bernalillo County AMI. 0% interest mortgage. Low down payment (approx. $2,500 in savings). Newly built, energy-efficient home. Homebuyer education and guidance. Support throughout the homebuying process. Builds equity and long-term financial stability. Ang pondo ay mula sa Greater Albuquerque Habitat for Humanity (donations, ReStore proceeds, grants); homes built with volunteer labor.

Ang Greater Albuquerque Habitat for Humanity Homeownership Program ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Greater Albuquerque Habitat for Humanity (GAHH). Kailangang bayaran kapag may Monthly mortgage payments over the life of the loan; an affordability/resale subordinate lien (silent second representing the subsidy) may be recaptured if the home is sold during the affordability period. Specific recapture terms not published on the primary source. Nakatala ang tulong bilang lien sa posisyong First (affordable mortgage held by GAHH); subsidy may be a subordinate silent lien. 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 Greater Albuquerque Habitat for Humanity Homeownership Program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Ang "unang beses na bibili ng bahay" ay karaniwang nangangahulugang hindi nagmay-ari ng bahay sa nakaraang tatlong taon, pero ang programa ang nagtatakda ng sarili nitong kahulugan. Tungkol sa credit, sinasabi ng programa: No published minimum credit score, but an acceptable credit history is required; all collections and judgments must be paid in full. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Greater Albuquerque Habitat for Humanity homebuyer education classes (count toward sweat-equity hours). Requirement sa paninirahan: Must have lived or worked in Bernalillo and/or South Sandoval County for the past 12 months; must be willing to live in the neighborhood where Habitat is currently building. Citizenship o katayuan sa imigrasyon: All household members must be U.S. citizens or permanent residents. Application cycle was PAUSED as of June 2026 (interest list open; GAHH states preparations are underway to reopen soon) - it is a recurring standing program, not discontinued. Requires 350 hours of sweat equity (building your home and others' homes plus homebuyer education). Every household member over 18 must consent to a background and sex-offender check; all applicants and co-applicants must consent to a credit check. Deferred student loans counted at 0.5% of balance per month. Exact dollar income limits and any resale/recapture lien terms were not published on the primary public pages.

Nililimitahan ng Greater Albuquerque Habitat for Humanity Homeownership Program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Gross annual household income must be between 50% and 80% of the Area Median Income (AMI) for Bernalillo County; updated annually based on HUD figures and household size. Exact dollar limits are published on GAHH's Income Criteria page (year-dependent). 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 Greater Albuquerque Habitat for Humanity Homeownership Program para sa Single-family detached (newly built Habitat home). Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Greater Albuquerque Habitat for Humanity Homeownership Program ang mga bibili ng bahay sa Albuquerque, New Mexico.

Dumadaan sa Greater Albuquerque Habitat for Humanity (GAHH) ang mga aplikasyon para sa Greater Albuquerque Habitat for Humanity Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Inquiry list; applicants notified by email when the application cycle opens, then request an application packet by mail. 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.