Will-Grundy Habitat for Humanity Homeownership Program

Will-Grundy Habitat for Humanity Homeownership Program是面向Joliet and surrounding Will/Grundy County communities，Illinois购房者的第一抵押贷款，由Will-Grundy Habitat for Humanity管理。 Will-Grundy Habitat for Humanity provides 0% interest mortgages on newly built or rehabbed affordable homes in Will and Grundy Counties, Illinois. Applicants must demonstrate housing need, ability to pay (income 50-80% AMI, housing payment <=30% gross income, debt <=13% income), and willingness to partner (500 sweat equity hours for 2+ adult families; 250 for single parent with children under 16). US citizen or permanent resident required. Credit history reviewed. Supported in part by $2.5M ARPA Building Will County Strong initiative. 0% interest mortgage. Payment capped at 30% of gross income. Sweat equity builds community and home knowledge. ARPA-funded program expanding capacity. 资金来自Habitat for Humanity Will-Grundy organizational funds; ARPA funding (Will County — $2.5M for Building Will County Strong initiative); donations。

Will-Grundy Habitat for Humanity Homeownership Program是第一抵押贷款，按Will-Grundy Habitat for Humanity设定的条款偿还。 触发还款的情形：Full repayment on sale; no shared appreciation stated。 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。

Will-Grundy 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 ineligible (implied by housing need criteria)。 关于信用，该项目说明：Must pay rent on time; no unpaid non-medical charge-offs; stable income last year; no bankruptcy in last 24 months. Specific credit score not stated. 须参加购房者教育课程，由Required homeowner classes scheduled by Will-Grundy Habitat提供。 居住要求：Will County or Grundy County, Illinois。 公民身份或移民身份：US Citizen or Permanent Resident。 Must clear criminal background check. All adult household members (18+) must sign general release. Registered sex offenders ineligible. Multiple adults in home — all must be identified as buyers. Sweat equity hours mandatory. Must attend required homeowner classes. No bankruptcy in last 24 months.

Will-Grundy 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。

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

Will-Grundy Habitat for Humanity Homeownership Program服务于在Joliet and surrounding Will/Grundy County communities，Illinois购房的购房者。

Will-Grundy Habitat for Humanity Homeownership Program的申请通过Will-Grundy 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-based; contact organization directly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。