Habitat for Humanity of Taos Homeownership Program

Ang Habitat for Humanity of Taos Homeownership Program ay isang unang mortgage para sa mga bibili ng bahay sa Taos, New Mexico, na pinangangasiwaan ng Habitat for Humanity of Taos. Habitat for Humanity of Taos provides homeownership opportunities to low-income families and individuals in Taos County by building affordable homes that the partner family purchases with an affordable, no-profit Habitat mortgage. Selected partner families contribute sweat equity, attend monthly homeowner meetings, and pay a down payment and monthly mortgage. The affiliate has built roughly 39-40 homes and runs periodic application cycles (the current cycle is open through May 31, 2026, with the next partner family selected June 30, 2026). Affordable no-profit Habitat mortgage. Sweat-equity path to ownership. Homebuyer education and monthly homeowner meetings. Newly built affordable home. Ang pondo ay mula sa Habitat for Humanity of Taos donations, ReStore proceeds, grants (including Taos Community Foundation), and homeowner mortgage payments.

Ang Habitat for Humanity of Taos Homeownership Program ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Habitat for Humanity of Taos. Kailangang bayaran kapag may Monthly mortgage payments on the affordable Habitat mortgage; sale/transfer terms governed by the Habitat mortgage and any affiliate right of first refusal (specific terms not published online). Nakatala ang tulong bilang lien sa posisyong First. 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 Taos Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No numeric minimum published; requires 'decent and responsible credit,' bankruptcy fully discharged for at least one year, and no court-ordered debt. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Habitat for Humanity of Taos (monthly homeowner meetings, homeowner education). Requirement sa paninirahan: Applicants must live and work in Taos County for at least one year. Selection requires demonstrated housing need; ability to pay a down payment and monthly mortgage; willingness to partner with Habitat (sweat equity, monthly homeowner meetings); decent/responsible credit with bankruptcy discharged at least one year and no court-ordered debt; live and work in Taos County for at least one year; all household members 18+ pass a criminal background check; income at or below 60% of Taos County HUD median. Application cycle open through May 31, 2026.

Nililimitahan ng Habitat for Humanity of Taos Homeownership Program ang kita ng sambahayan sa 60% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income cannot exceed 60% of Taos County median family income as established annually by HUD. Specific dollar limits by household size are not published on the affiliate website. 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 Habitat for Humanity of Taos Homeownership Program ang presyo ng pagbili: Not applicable; home is built and sold by the affiliate at no profit. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

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

Dumadaan sa Habitat for Humanity of Taos ang mga aplikasyon para sa Habitat for Humanity of Taos Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Open application cycle with selection by the affiliate Family Selection Committee; current cycle open through May 31, 2026, selection June 30, 2026. 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.