Tres Rios Habitat for Humanity Homeownership Program

Ang Tres Rios Habitat for Humanity Homeownership Program ay isang unang mortgage para sa mga bibili ng bahay sa Farmington, New Mexico, na pinangangasiwaan ng Tres Rios Habitat for Humanity. Tres Rios Habitat for Humanity partners with qualifying low-income families in San Juan County to build safe, energy-efficient homes that the family then purchases through an affordable, no-profit, zero-interest mortgage held by the affiliate. Homebuyers complete 200 hours of sweat equity per adult, attend homeowner education classes, and make a $500 down payment. The model substitutes sweat equity and a 0% mortgage for conventional down payment and financing, making homeownership attainable for households at or below 80% of area median income. Zero-interest (0%) no-profit mortgage. Low $500 down payment. Sweat-equity substitutes for cash down payment. Homebuyer education and budgeting classes. Newly built energy-efficient home. Accessibility-designed homes available. Ang pondo ay mula sa Habitat for Humanity affiliate donations, ReStore proceeds, grants, and homeowner mortgage payments.

Ang Tres Rios Habitat for Humanity Homeownership Program ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Tres Rios Habitat for Humanity. Kailangang bayaran kapag may Monthly mortgage payments per the affordable, no-interest Habitat mortgage; sale/transfer typically triggers affiliate right of first refusal or recapture per Habitat mortgage documents (specific resale 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 Tres Rios Habitat for Humanity Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No published minimum credit score; affiliate performs a credit check and reviews credit references as part of the selection process. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Tres Rios Habitat for Humanity (budgeting, home repair, maintenance programs; homeowner meetings). Requirement sa paninirahan: Must have lived in San Juan County for at least one year. Applicant must demonstrate inadequate current housing; must have lived in San Juan County for one year; income at or below 80% AMI ($52,100 for a family of four); $500 down payment; 200 sweat-equity hours per adult over six months; participation in budgeting/home-maintenance programs; credit check and income/employment verification.

Nililimitahan ng Tres Rios 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. Total family income must not exceed 80% of San Juan County area median income; stated as not exceeding $52,100 for a family of four per the affiliate (2025-2026). Limits for other household sizes scale with HUD AMI but are not individually published. 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 Tres Rios Habitat for Humanity 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 Tres Rios Habitat for Humanity Homeownership Program ang mga bibili ng bahay sa Farmington, New Mexico.

Dumadaan sa Tres Rios Habitat for Humanity ang mga aplikasyon para sa Tres Rios 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 Initial application / family selection cycle; selection by affiliate Family Selection Committee. 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.