Richmond Metropolitan Habitat for Humanity Homeownership Program

Ang Richmond Metropolitan Habitat for Humanity Homeownership Program ay isang unang mortgage para sa mga bibili ng bahay sa Richmond, Virginia, na pinangangasiwaan ng Richmond Metropolitan Habitat for Humanity. Richmond Metropolitan Habitat for Humanity's Homeownership Program offers affordable, sweat-equity homeownership to qualifying households at or below 80% AMI in the City of Richmond, Chesterfield County, and Henrico County, VA. Selected partner families purchase a Habitat-built or rehabilitated single-family home with an affordable mortgage (payment capped at 30% of gross income), originated and serviced by the affiliate, after completing 350 sweat-equity hours, Homebuyer Club classes, and budgeting meetings. The program is active and recruiting (Homeowner Orientation classes held regularly; homes currently for sale; FY25 HUD income guidelines). Affordable mortgage payment capped at 30% of gross income. no traditional down payment (sweat equity substitutes). Habitat-built/rehabbed single-family home. homebuyer education and budgeting support. Ang pondo ay mula sa Donations, recycled mortgage payments, grants, and ReStore proceeds.

Ang Richmond Metropolitan Habitat for Humanity Homeownership Program ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng Richmond Metropolitan Habitat for Humanity. Kailangang bayaran kapag may Affordable Habitat mortgage payments (payment not exceeding 30% of gross income); the home is purchased, not granted. 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 Richmond Metropolitan Habitat for Humanity Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No specific minimum published. Credit criteria: no unpaid non-medical charge-offs; no collections or unpaid judgments; pays rent on time; bankruptcy/foreclosure stipulations apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Richmond Metropolitan Habitat for Humanity (Homeowner Orientation, Homebuyer Club classes, one-on-one budgeting). Requirement sa paninirahan: Serves City of Richmond, Chesterfield County, and Henrico County, VA. Citizenship o katayuan sa imigrasyon: Must be a US Citizen or Permanent Resident. Three guidelines: need, ability to pay (income within guidelines, payment <=30% gross, clean credit, two years stable income, non-mortgage debt <=13% of income), willingness to partner (350 sweat-equity hours, classes, budgeting). Must be US Citizen or Permanent Resident; criminal background check; cannot serve applicants with a registered sex offender in the household. Distinct from Habitat of Greater Charlottesville and Maggie Walker CLT.

Nililimitahan ng Richmond Metropolitan 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. Serves households at or below 80% AMI for the Richmond MSA (FY25 HUD). Max annual income: 1=$63,600; 2=$72,650; 3=$81,750; 4=$90,800; 5=$98,100; 6=$105,350; 7=$112,600; 8=$119,900. Minimum income also applies (1-5=$40,000; 6=$43,150; 7=$48,650; 8=$54,150). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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 Richmond Metropolitan Habitat for Humanity Homeownership Program ang presyo ng pagbili: Homes sold with an affordable mortgage (payment not exceeding 30% of gross income); specific max not published. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Richmond Metropolitan Habitat for Humanity Homeownership Program ang mga bibili ng bahay sa Richmond, Virginia.

Dumadaan sa Richmond Metropolitan Habitat for Humanity ang mga aplikasyon para sa Richmond Metropolitan 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 Attend a Homeowner Orientation class, then apply; Homeowner Selection Committee assesses need, ability to pay, and willingness to partner. 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.