Shoals Habitat for Humanity Affordable Homeownership Program

Shoals Habitat for Humanity Affordable Homeownership Program是面向Florence，Alabama购房者的首付援助，由Shoals Habitat for Humanity (Habitat for Humanity of Northwest Alabama)管理。 Shoals Habitat for Humanity makes homeownership possible for low-income households in Lauderdale and Colbert counties by building homes and selling them to partner families with an affordable 0%-interest mortgage. Selection is based on need, willingness to partner (sweat equity), and ability to repay (~25% of gross monthly income). Applications are accepted by mail only during January. 0% interest affordable mortgage. No cash down payment (replaced by sweat equity). Payment capped ~25% of gross monthly income. Homebuyer education provided. 资金来自Habitat for Humanity affiliate (donations, ReStore proceeds, government/HOME partnerships, sweat equity)。

Shoals Habitat for Humanity Affordable Homeownership Program是首付援助，按Shoals Habitat for Humanity (Habitat for Humanity of Northwest Alabama)设定的条款偿还。 触发还款的情形：Monthly mortgage payments over the loan term; payment set at ~25% of gross monthly income including taxes and insurance。 该援助以first顺位留置权登记。 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。

Shoals Habitat for Humanity Affordable 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：No published minimum score; must demonstrate financial responsibility, no bankruptcy within past 2 years, no outstanding collections/liens/judgments that cannot reasonably be paid by completion of the build。 须参加购房者教育课程。 居住要求：Applicant must be a current resident of Lauderdale or Colbert County。 公民身份或移民身份：Must provide documentation of residency and eligibility to work in the US。 Sweat equity (min 400 hours, two-adult household), homebuyer education classes, documented need, residency in Lauderdale or Colbert County, no bankruptcy in past 2 years, applications only in January.

Shoals Habitat for Humanity Affordable 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。 Household income evaluated against HUD income limits by family size; all household members' income counted. Affiliate references HUD income limits for the Lauderdale County / Florence-Muscle Shoals area. 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。

Shoals Habitat for Humanity Affordable Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Shoals Habitat for Humanity Affordable Homeownership Program服务于在Florence，Alabama购房的购房者。

Shoals Habitat for Humanity Affordable Homeownership Program的申请通过Shoals Habitat for Humanity (Habitat for Humanity of Northwest Alabama)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Annual application window — paper applications accepted by mail in January only预留。 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。