Habitat for Humanity Central Arizona Homeownership Program

Habitat for Humanity Central Arizona Homeownership Program是面向Phoenix，Arizona购房者的第一抵押贷款，由Habitat for Humanity Central Arizona管理。 Habitat for Humanity Central Arizona provides zero-interest affordable mortgages to income-eligible families in Maricopa and Pinal counties, with sweat equity requirements of 200-400 hours in lieu of a traditional down payment. Qualifying families must demonstrate need for adequate housing, ability to pay the affordable mortgage, and willingness to partner with Habitat. Active construction is underway in Arizona City (Pinal County) and the Phoenix metro area. Zero-interest Habitat mortgage. No traditional down payment (sweat equity replaces it). New construction in Maricopa and Pinal counties. Income up to 78% AMI. Application fee waived for military. Mandatory homeownership education.

Habitat for Humanity Central Arizona Homeownership Program是第一抵押贷款，按Habitat for Humanity Central Arizona设定的条款偿还。 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 Central Arizona 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。 此处的“首次”有例外情况：No info; standard Habitat definition。 须参加购房者教育课程，由Mandatory Habitat workshops; homeownership education program提供。 居住要求：Maricopa or Pinal County (builds in Arizona City and Phoenix metro area)。 公民身份或移民身份：U.S. citizen or permanent resident; applies to all household members。 $100 non-refundable application fee (waived for military applicants). Must contribute 200-400 sweat equity hours. Must be able to cover closing costs (~$4,000). Must be willing to live in designated Habitat neighborhoods. 2-year stable income history required. Active builds in Arizona City (Pinal County) and Phoenix area; location cannot be chosen by applicant. [orig: dpa_interest_rate: 0% (zero-interest Habitat loan)].

Habitat for Humanity Central Arizona Homeownership Program将家庭收入限制在地区收入中位数的78%，该数值因县和家庭人数而异。 Gross annual household income may not exceed 78% of Maricopa and Pinal County AMI; varies by family size. 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 Central Arizona Homeownership Program的房价上限如下：Homes priced for affordability by Habitat CAZ。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity Central Arizona Homeownership Program在其服务群体中提到了退伍军人和现役军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Habitat for Humanity Central Arizona Homeownership Program服务于在Phoenix，Arizona购房的购房者。 目标社区：Currently building in Arizona City (Pinal County) and Phoenix metro。

Habitat for Humanity Central Arizona Homeownership Program的申请通过Habitat for Humanity Central Arizona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Pre-screening application; open enrollment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。