Lewis & Clark Habitat for Humanity Homeownership Program

Lewis & Clark Habitat for Humanity Homeownership Program是面向Alton; Collinsville; Edwardsville; Glen Carbon; O'Fallon; Wood River; Bond County communities，Illinois购房者的第一抵押贷款，由Lewis & Clark Habitat for Humanity管理。 Lewis & Clark Habitat for Humanity provides 0% interest mortgages on newly constructed affordable homes in Madison and Bond Counties, Illinois, serving communities including Alton, Collinsville, Edwardsville/Glen Carbon, O'Fallon, Wood River, and Bond County. Established 1990; 70+ families served. Applicants selected by Volunteer Family Selection Committee based on housing need, ability to pay, and willingness to partner (sweat equity). Monthly payments revolve to fund new homes for other families. 0% interest mortgage. Revolving model funds future homes. Multi-chapter coverage across Metro East Illinois. Sweat equity builds skills and community. 资金来自Lewis & Clark Habitat for Humanity organizational funds, donations, Target Circle awards, community gifts。

Lewis & Clark Habitat for Humanity Homeownership Program是第一抵押贷款，按Lewis & Clark Habitat for Humanity设定的条款偿还。 触发还款的情形：Full repayment on sale; revolving payments fund future homes。 该援助以First lien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。

Lewis & Clark 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：Housing need criteria effectively requires renter or substandard housing status。 关于信用，该项目说明：Volunteer Family Selection Committee reviews application holistically; credit score not explicitly stated on website。 须参加购房者教育课程，由Homeowner classes required; contact Lewis & Clark HFH for specific providers提供。 居住要求：Madison County or Bond County, Illinois (and surrounding metro-east communities including Alton, Collinsville, Edwardsville/Glen Carbon, O'Fallon, Wood River)。 Income limits and specific credit/DTI requirements not fully published on website — contact office at 618-343-0301 or staff2@lchabitat.org for current application openings and specific qualifying criteria for each chapter.

Lewis & Clark 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。 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。

Lewis & Clark Habitat for Humanity Homeownership Program的房价上限如下：Purchase price = subsidized cost of Habitat-built home。 符合条件的房屋类型包括single-family (Habitat-built)。 新建房屋符合条件。 预制房屋不符合条件。

Lewis & Clark Habitat for Humanity Homeownership Program服务于在Alton; Collinsville; Edwardsville; Glen Carbon; O'Fallon; Wood River; Bond County communities，Illinois购房的购房者。

Lewis & Clark Habitat for Humanity Homeownership Program的申请通过Lewis & Clark 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 through local chapter; contact main office or chapter for current openings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。