Church Community Housing Corporation Community Land Trust Homeownership Program

Ang Church Community Housing Corporation Community Land Trust Homeownership Program ay isang shared-appreciation loan para sa mga bibili ng bahay sa Newport, Rhode Island, na pinangangasiwaan ng Church Community Housing Corporation (CCHC). Church Community Housing Corporation, a nonprofit founded in 1969 serving Newport County, RI, creates permanently affordable homeownership through a Community Land Trust (CLT) model. CCHC sells the home to an income-qualified buyer while retaining ownership of the underlying land, which lowers the purchase price and keeps the home affordable for future low-to-moderate-income families. CLT homes are available exclusively to graduates of CCHC's first-time homebuyer training course, and a long-term ground lease with resale restrictions preserves affordability across generations. Below-market purchase price via land trust. Permanently affordable homeownership. Mandatory homebuyer education and one-on-one budget/credit counseling. Ground-lease support. Ang pondo ay mula sa Church Community Housing Corporation (nonprofit CDC) land trust.

Ang Church Community Housing Corporation Community Land Trust Homeownership Program ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng Church Community Housing Corporation (CCHC). Kailangang bayaran kapag may Resale of the home is governed by the CLT ground lease, which caps the resale price (limited equity) so the home remains affordable to the next income-qualified buyer; the land trust retains ownership of the land. 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 Church Community Housing Corporation Community Land Trust 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: Not published; buyers must qualify for a mortgage. Credit reviewed one-on-one during required homebuyer training. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng CCHC homebuyer training (online via Zoom); includes one-on-one appointments with the Homebuyer Trainer to build a household budget and review credit. Register with Aubrey Collins, (401) 846-5114 ext. 111. This is a Community Land Trust (limited-equity) homeownership program, NOT a cash down payment assistance grant or loan. Affordability comes from CCHC retaining the land and a resale-restricted ground lease. Completion of CCHC's homebuyer training is mandatory; CLT homes are exclusively available to course graduates.

Ganito itinatakda ng Church Community Housing Corporation Community Land Trust Homeownership Program ang income limit nito: Restricted to low- and moderate-income households; CCHC guarantees future buyers are low-to-moderate-income. Specific income limits/AMI percentage are not published on the official site and vary by funding source and individual development. 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 Church Community Housing Corporation Community Land Trust Homeownership Program ang presyo ng pagbili: Purchase price is reduced because CCHC retains the land; specific price by home/development not published online. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family at Condo. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Church Community Housing Corporation Community Land Trust Homeownership Program ang mga bibili ng bahay sa Newport, Rhode Island.

Dumadaan sa Church Community Housing Corporation (CCHC) ang mga aplikasyon para sa Church Community Housing Corporation Community Land Trust Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Contact CCHC; CLT homes available only to graduates of CCHC's homebuyer training. 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.