Habitat for Humanity of Greater Birmingham Homeownership Program

Habitat for Humanity of Greater Birmingham Homeownership Program是面向Fairfield，Alabama购房者的首付援助，由Habitat for Humanity of Greater Birmingham管理。 Habitat for Humanity of Greater Birmingham builds and sells affordable homes to income-qualified families in Jefferson, Shelby, Walker, and St. Clair counties. Selected applicants partner with Habitat by completing homeowner education and sweat-equity hours, paying a $2,000 down payment, and purchasing the home with an affordable mortgage. Homeowners are chosen by a volunteer Family Selection Committee based on need, willingness to partner, and ability to repay. Affordable home built/rehabbed by Habitat. Affordable mortgage geared to ability to repay. Homeowner education workshops. Path to homeownership for low-to-moderate income families.

Habitat for Humanity of Greater Birmingham Homeownership Program是首付援助，按Habitat for Humanity of Greater Birmingham设定的条款偿还。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Habitat for Humanity of Greater Birmingham Homeownership Program面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由Habitat Birmingham homeowner education workshops (minimum 10 hours)提供。 居住要求：Must reside in Jefferson, Shelby, Walker, or St. Clair counties for at least one year before applying. 公民身份或移民身份：Must show proof of legal residency. Requires a minimum 250 sweat-equity hours and 10 hours homeowner education. Selection by volunteer Family Selection Committee (need, willingness to partner, ability to repay). Credit: no unpaid collections/judgments/liens; foreclosure/eviction at least 36 months old; bankruptcy discharged with 3 years established credit; verifiable income at least one year. GAPS (not published): assistance dollar amount, sale price, mortgage rate/term, lien position, min credit score, max purchase price, recapture/repayment triggers, manufactured/new-construction eligibility, HUD AMI year, income_limit_amount.

Habitat for Humanity of Greater Birmingham Homeownership Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Total household income must fall within 40-80 percent of the Jefferson County area median income. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Habitat for Humanity of Greater Birmingham Homeownership Program可用于Single Family。

Habitat for Humanity of Greater Birmingham Homeownership Program服务于在Fairfield，Alabama购房的购房者。

Habitat for Humanity of Greater Birmingham Homeownership Program的申请通过Habitat for Humanity of Greater Birmingham办理，该机构在其网站上公布现行条款和申请步骤。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。