Habitat for Humanity of Northern Arizona Starter Home Homeownership Program

Habitat for Humanity of Northern Arizona Starter Home Homeownership Program是面向Flagstaff，Arizona购房者的第一抵押贷款，由Habitat for Humanity of Northern Arizona管理。 $100,000 home price. $1,000 down payment only. 0% interest mortgage. Novel equity savings model ($10K/year on exit). Income 50-80% AMI. Sweat equity 200 hours. Flagstaff residency builds community stability.

Habitat for Humanity of Northern Arizona Starter Home Homeownership Program是第一抵押贷款，按Habitat for Humanity of Northern Arizona设定的条款偿还。 触发还款的情形：On sale or exit; equity savings program pays homeowner $10,000/year lived in home。 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 Northern Arizona Starter Home 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：HUD definition (no principal residence ownership in prior 3 years)。 须参加购房者教育课程，由Habitat for Humanity of Northern Arizona orientation and education requirements提供。 居住要求：Must live in Flagstaff for at least 12 months prior to applying; all household members must live together 10-12 months per year。 公民身份或移民身份：Proof of U.S. legal residency required for all title holders; at least one must have permanent legal residency。 Must have lived in Flagstaff 12+ months prior to applying; all household members must live together 10-12 months/year. At least one title holder must have permanent legal U.S. residency. No foreclosures/bankruptcies in last 3 years; no open collections, judgments, or liens. 200 hours sweat equity required. Savings plan must be established after selection for closing costs. [orig: dpa_interest_rate: 0% (zero-interest Habitat loan)].

Habitat for Humanity of Northern Arizona Starter Home 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 between 50% and 80% of Flagstaff Area Median Income; income limits change annually per HUD. 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 Northern Arizona Starter Home Homeownership Program将房价上限设为$100,000。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Northern Arizona Starter Home Homeownership Program服务于在Flagstaff，Arizona购房的购房者。 目标社区：Timber Sky development, Flagstaff, AZ。

Habitat for Humanity of Northern Arizona Starter Home Homeownership Program的申请通过Habitat for Humanity of Northern 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-qualification survey; ongoing 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。