Habitat for Humanity of Central Arkansas Homeownership Program

Habitat for Humanity of Central Arkansas Homeownership Program是面向Little Rock，Arkansas购房者的第一抵押贷款，由Habitat for Humanity of Central Arkansas管理。 Habitat for Humanity of Central Arkansas partners with qualified families in Pulaski and Lonoke Counties to achieve homeownership through an affordable 0% interest mortgage on a Habitat-built home. Selection is based on need for housing, ability to pay, and willingness to partner; each adult completes 300 sweat-equity hours and a homebuyer education course. Habitat acts as lender/servicer for a 20- to 30-year zero-interest mortgage and retains a Right of First Refusal with shared appreciation on resale. 0% interest mortgage. No cash down payment (sweat equity instead). Monthly payment ~33% of income (PITI). Homebuyer education provided. Permanent residents eligible. 资金来自Habitat for Humanity of Central Arkansas (nonprofit); homeowner mortgage payments recycle to build additional homes。

Habitat for Humanity of Central Arkansas Homeownership Program是第一抵押贷款，按Habitat for Humanity of Central Arkansas设定的条款偿还。 触发还款的情形：Monthly mortgage payments to Habitat; Habitat retains a Right of First Refusal and shares in appreciation if the owner sells。 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。

Habitat for Humanity of Central Arkansas 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 for Humanity of Central Arkansas homebuyer education course (in-person and online)提供。 居住要求：Must be a permanent resident (U.S. citizenship not required)。 公民身份或移民身份：Must be a permanent resident (U.S. citizenship not required)。 Serves Pulaski and Lonoke Counties only. Mandatory orientation before applying; 300 sweat-equity hours per adult; one year employment with current employer; credit and criminal background checks; permanent residency required. Habitat retains Right of First Refusal and shares in home appreciation on resale. Not stackable with other DPA programs.

Habitat for Humanity of Central Arkansas Homeownership Program的收入限制如下：Family income must fall within Habitat income guidelines (past three years); applicants must demonstrate ability to pay。 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 Central Arkansas Homeownership Program服务于在Little Rock，Arkansas购房的购房者。

Habitat for Humanity of Central Arkansas Homeownership Program的申请通过Habitat for Humanity of Central Arkansas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Mandatory prospective-homeowner orientation, then application during open periods; reviewed by Homeowner Selection Committee and Board of Directors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。