Habitat for Humanity of Morgan County Homeownership Program

Habitat for Humanity of Morgan County Homeownership Program是面向Decatur，Alabama购房者的首付援助，由Habitat for Humanity of Morgan County, AL管理。 Habitat for Humanity of Morgan County makes homeownership possible for low-income households by offering 0%-interest affordable mortgage loans to purchase homes built or renovated by Habitat volunteers and partner families. Homes are not free — families pay an affordable monthly payment (capped at 30% of gross income) covering principal, taxes, insurance, termite protection, and servicing fees. Selection is based on need for adequate housing, ability to repay, and willingness to partner (sweat equity). The affiliate builds in Decatur, Hartselle, and surrounding Morgan County communities. 0% interest mortgage. Monthly payment capped at 30% of gross income. Sweat equity builds community and reduces mortgage principal. Homebuyer education included. 资金来自Private/nonprofit — Habitat for Humanity affiliate。

Habitat for Humanity of Morgan County Homeownership Program是首付援助，按Habitat for Humanity of Morgan County, AL设定的条款偿还。 触发还款的情形：sale, transfer, or failure to maintain owner-occupancy。 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 Morgan County Homeownership Program面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Credit report obtained; court-ordered judgments/liens must be paid; Chapter 7 bankruptcy must be discharged; Chapter 13 must be within 1 year of discharge。 须参加购房者教育课程，由Habitat for Humanity of Morgan County — partner education classes including budgeting, buying a home, lawn care, home maintenance提供。 居住要求：Must live or demonstrate need in Morgan County, AL。 公民身份或移民身份：U.S. citizen or permanent resident。 Applicants must demonstrate housing need (e.g., housing costs >30% of income, poor conditions, overcrowding, Section 8). Court-ordered judgments must be paid; bankruptcies must be discharged. Income table on website is subject to change without notice — verify current limits at morganhabitat.org. Process from application to ownership typically 12–24 months. Program is NOT for emergency housing.

Habitat for Humanity of Morgan County Homeownership Program的收入限制如下：Monthly income band verified on site: 1-person min $2,617/max $4,187; 2-person $2,988/$4,780; 3-person $3,363/$5,380; 4-person $3,733/$5,973; 5-person $4,033/$6,453; 6-person $4,333/$6,933; 7-person $4,633/$7,413; 8-person $4,929/$7,887 (gross monthly, subject to change)。 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 Morgan County Homeownership Program可用于single_family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Morgan County Homeownership Program服务于在Decatur，Alabama购房的购房者。

Habitat for Humanity of Morgan County Homeownership Program的申请通过Habitat for Humanity of Morgan County, AL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。