Maggie Walker Community Land Trust Homeownership Program

Ang Maggie Walker Community Land Trust Homeownership Program ay isang shared-appreciation loan para sa mga bibili ng bahay sa Richmond, Virginia, na pinangangasiwaan ng Maggie Walker Community Land Trust. The Maggie Walker Community Land Trust develops and stewards permanently affordable single-family homes for sale to income- and asset-qualified buyers in the Richmond, VA region. MWCLT sells the home while retaining ownership of the underlying land through a 99-year renewable ground lease, lowering the purchase price below market. In exchange, the homeowner agrees to a resale-price restriction tied to growth in the Richmond AMI, keeping the home affordable for future buyers. MWCLT does not issue mortgages or provide down payment assistance directly, but partners with approved lenders and external DPA/education providers. Below-market purchase price on a permanently affordable home. Resale formula lets owners build limited equity tied to AMI growth. One-time subsidy keeps home affordable for future buyers. Connections to external DPA and matched-savings programs. Ang pondo ay mula sa Community Land Trust subsidy (one-time subsidy embedded in the below-market home price; land retained by the trust).

Ang Maggie Walker Community Land Trust Homeownership Program ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng Maggie Walker Community Land Trust. 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 Maggie Walker Community Land Trust Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Approved lenders require a minimum credit score of 620; applicants below this are referred to credit counseling. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-certified homeownership class required; providers include Housing Opportunities Made Equal (HOME of VA), Virginia Housing, and Southside Community Development and Housing Corporation. [Unparsed numeric values moved to notes: max_liquid_assets: Value of applicant's assets may not exceed 25% of the market-appraised value of the home being purchased] Must attend an MWCLT information session; obtain mortgage pre-qualification from an approved lender; combined mortgage + down payment must total at least $150,000; complete a HUD-certified homeownership class. Must agree to the ground lease resale restriction, occupy as primary residence, and may not rent the home.

Nililimitahan ng Maggie Walker Community Land Trust Homeownership Program ang kita ng sambahayan sa 115% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Maximum household income limits at 115% AMI for the Richmond, VA MSA (2025): 1p $91,425; 2p $104,420; 3p $117,530; 4p $130,525; 5p $140,990. Homes reserved for households from 80% AMI (4-person 80% AMI = $90,800) up to 115% AMI. 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 Maggie Walker Community Land Trust Homeownership Program para sa Single Family at Townhouse. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng Maggie Walker Community Land Trust Homeownership Program ang mga bibili ng bahay sa Richmond, Virginia. Tinutukoy ng programa ang mga partikular na lugar: Serves the City of Richmond and the Counties of Chesterfield and Henrico.

Dumadaan sa Maggie Walker Community Land Trust ang mga aplikasyon para sa Maggie Walker Community Land Trust Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. 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.