Santa Fe Habitat for Humanity Homeownership Program

Ang Santa Fe Habitat for Humanity Homeownership Program ay isang unang mortgage para sa mga bibili ng bahay sa Santa Fe, New Mexico, na pinangangasiwaan ng Santa Fe Habitat for Humanity. Santa Fe Habitat for Humanity selects income-qualified partner families in Santa Fe County to buy a home they help build, financed with a typically 30-year 0% interest mortgage and a $1,300 down payment. Income must fall within published minimum and maximum limits by family size, and applicants must hold no more than $20,000 in assets. Selected families complete 350-500 sweat-equity hours. 30-year 0% interest mortgage. Low $1,300 down payment. Payments based on income at closing. Homebuyer education and an assigned advocate. Builds equity and long-term stability. Ang pondo ay mula sa Santa Fe Habitat for Humanity (donations, ReStore proceeds, grants, City of Santa Fe general-fund contract); volunteer-built homes.

Ang Santa Fe Habitat for Humanity Homeownership Program ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Santa Fe Habitat for Humanity. Kailangang bayaran kapag may 30-year 0% mortgage repaid in monthly installments based on income at closing; an affordability/recapture lien may apply on resale. Specific recapture terms not published on the primary source. Nakatala ang tulong bilang lien sa posisyong First (mortgage held by Santa Fe Habitat for Humanity). 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 Santa Fe 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; a credit report is obtained and ability to pay is assessed during financial review. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Santa Fe Habitat for Humanity (homebuyer education as part of the partner-family process). Requirement sa paninirahan: Must have lived or worked in Santa Fe County for at least one full year at the time of application. Citizenship o katayuan sa imigrasyon: U.S. citizenship not required, but at least one applicant must be a lawful permanent resident. Applicant must hold no more than $20,000 in assets at time of application. Sweat equity of 350-500 hours required (family members signing the mortgage must complete 168-240 of those hours; the remainder may be done by other family/friends). Application window opens periodically (not always open); process can take up to three months plus ~15 months to build. At least one applicant must be a lawful permanent resident. Specific recapture/affordability lien terms not published on the primary source.

Nililimitahan ng Santa Fe Habitat for Humanity Homeownership Program ang kita ng sambahayan sa $79,600. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 6. 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 Santa Fe 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 Santa Fe Habitat for Humanity Homeownership Program ang mga bibili ng bahay sa Santa Fe, New Mexico.

Dumadaan sa Santa Fe Habitat for Humanity ang mga aplikasyon para sa Santa Fe 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 Application window opens periodically; applicants make an inquiry by phone or in person and are contacted when the window opens. Process can take up to three months; home build adds ~15 months. 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.