Lake-McHenry Habitat for Humanity Homeownership Program

Lake-McHenry Habitat for Humanity Homeownership Program是面向North Chicago，Illinois购房者的第一抵押贷款，由Lake-McHenry Habitat for Humanity管理。 Lake-McHenry Habitat for Humanity builds and sells newly constructed, energy-efficient homes to income-qualified households in Lake and McHenry Counties, including North Chicago. Qualified buyers receive 0% interest fixed-rate mortgages with payments capped at 30% of gross monthly income, and Habitat assists buyers in securing available DPA at closing. 0% interest fixed-rate mortgage. Payment capped at 30% of income. New construction energy-efficient home. Habitat assists with DPA at closing. 资金来自Habitat affiliate fundraising, volunteer labor, donated materials, grants。

Lake-McHenry Habitat for Humanity Homeownership Program是第一抵押贷款，按Lake-McHenry Habitat for Humanity设定的条款偿还。 触发还款的情形：Sale of home or end of loan term; shared appreciation agreement applies for first half of loan term if sold early。 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。

Lake-McHenry Habitat for Humanity 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：Current homeowners are ineligible。 关于信用，该项目说明：Credit score of 640+; scores 580-619 or no credit may be acceptable with alternate credit documentation。 须参加购房者教育课程，由Lake-McHenry Habitat for Humanity classes and workshops提供。 居住要求：Must be willing to live in the home; primary residence; North Chicago applicants must be open to living in North Chicago。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 200-250 partner hours required. No outstanding liens/judgments. 2+ years since bankruptcy; no foreclosure in past 3 years. General applications open Feb/Sept; North Chicago homes have a separate active interest list.

Lake-McHenry Habitat for Humanity 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。 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Lake-McHenry Habitat for Humanity Homeownership Program的房价上限如下：Home purchase price will not exceed Fair Market Value; sales price set at appraisal value near closing。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Lake-McHenry Habitat for Humanity Homeownership Program服务于在North Chicago，Illinois购房的购房者。 该项目针对特定区域：Lake County, IL communities including North Chicago.

Lake-McHenry Habitat for Humanity Homeownership Program的申请通过Lake-McHenry Habitat for Humanity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Application cycles open twice per year (February and September); North Chicago homes have separate interest list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。