Colorado Community Land Trust (CCLT) Homeownership Program

Colorado Community Land Trust (CCLT) Homeownership Program是面向Denver，Colorado购房者的增值共享贷款。 Colorado Community Land Trust (CCLT), operated by Habitat for Humanity of Metro Denver, provides permanently affordable homeownership in the Denver metro area. CLT owns the land; buyer owns the home via 99-year ground lease. Resale-restricted to ensure perpetual affordability for future buyers. Permanently affordable CLT homeownership in Denver metro. land subsidy keeps prices well below market. 99-year ground lease. resale-restricted for perpetual community benefit. operated by Habitat Metro Denver. 资金来自Nonprofit、Federal、State和Private。

Colorado Community Land Trust (CCLT) Homeownership Program是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale — resale formula limits appreciation (shared equity)。 该援助以CLT ground lease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。

Colorado Community Land Trust (CCLT) 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：620 minimum FICO。 须参加购房者教育课程，由Habitat Metro Denver homebuyer education required提供。 居住要求：State Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Must purchase CCLT home; income at or below 80% AMI; 99-year ground lease; resale formula applies at sale.

Colorado Community Land Trust (CCLT) 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。 At or below 80% AMI; Denver metro counties. 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。

Colorado Community Land Trust (CCLT) Homeownership Program将房价上限设为$400,000。 符合条件的房屋类型包括Single Family、Condo和Townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Colorado Community Land Trust (CCLT) Homeownership Program服务于在Denver，Colorado购房的购房者。 该项目针对特定区域：Denver metro: Denver, Adams, Arapahoe, Jefferson, Douglas counties。

Colorado Community Land Trust (CCLT) Homeownership Program的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First-Come-First-Served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。