Sheridan County Housing Land Trust (SCHLT) Homeownership Program

Ang Sheridan County Housing Land Trust (SCHLT) Homeownership Program ay isang shared-appreciation loan para sa mga bibili ng bahay sa Sheridan, Wyoming, na pinangangasiwaan ng Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). The Sheridan County Housing Land Trust, operated under Habitat for Humanity of the Eastern Bighorns and funded with City/County ARPA dollars, sells below-market homes to income-eligible households who own the home and lease the land held in trust. Buyers must earn between 60% and 120% of Sheridan County AMI, have liquid assets at or below the 4-person median income limit ($108,000 in 2025), and contribute $1,500 toward down payment and closing costs. At resale the home price is restricted to preserve affordability, with the owner keeping principal-paydown equity plus 2% simple annual appreciation and approved improvement credits. Below-market purchase price. Build equity through 2% annual appreciation plus mortgage paydown. Low $1,500 down payment requirement. Entry point to ownership for local workforce. Lenders familiar with the model. Ang pondo ay mula sa City of Sheridan and Sheridan County ARPA funds ($3 million allocated); donated homes.

Ang Sheridan County Housing Land Trust (SCHLT) Homeownership Program ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust). Kailangang bayaran kapag may Resale of home; resale price restricted to original purchase price plus 2% simple interest per year of ownership plus approved capital improvement credits. 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 Sheridan County Housing Land Trust (SCHLT) Homeownership Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Must obtain mortgage prequalification from a lender; no published minimum credit score. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Fannie Mae Homebuyer course; SCHLT homebuyer education class. Requirement sa paninirahan: Open to those working/living in Sheridan or Johnson counties; remote workers welcome. Citizenship o katayuan sa imigrasyon: Must be a U.S. citizen and 18 years or older. Land-lease fees apply ($50/month lease + $20/month reserve); must occupy as primary residence at least 10 months/year; no subletting or short-term rentals without board exception; no co-signers; cannot already own real estate at purchase; points-based ranked selection. Gaps: exact credit score minimum, DTI, mortgage term, and AMI dollar figures by household size not published.

Ganito itinatakda ng Sheridan County Housing Land Trust (SCHLT) Homeownership Program ang income limit nito: Household gross annual income must fall between 60% and 120% of HUD Area Median Income for Sheridan County, WY, based on household size. 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 Sheridan County Housing Land Trust (SCHLT) Homeownership Program ang presyo ng pagbili: Homes priced significantly below market for income-eligible households. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Sheridan County Housing Land Trust (SCHLT) Homeownership Program ang mga bibili ng bahay sa Sheridan, Wyoming.

Dumadaan sa Habitat for Humanity of the Eastern Bighorns (operating the Sheridan County Housing Land Trust) ang mga aplikasyon para sa Sheridan County Housing Land Trust (SCHLT) Homeownership Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Points-based ranked applicant pool; highest-ranking applicants offered homes as they become available. 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.