Habitat for Humanity of Lafayette Homeownership Program

Habitat for Humanity of Lafayette Homeownership Program是面向Lafayette，Indiana购房者的第一抵押贷款，由Habitat for Humanity of Lafayette管理。 Habitat for Humanity of Lafayette builds and rehabilitates homes for qualifying low- to moderate-income families across seven Indiana counties (Tippecanoe, Benton, Carroll, Clinton, Fountain, Warren, White). Qualified homebuyers complete sweat equity hours and financial education, then purchase their homes with an affordable, zero-interest Habitat-financed mortgage. Affordable zero-interest mortgage financed by Habitat; new construction or rehabilitated home sold at no profit; financial and homeownership education; ~1,100 sq ft home with Energy Star appliances. 资金来自Habitat revolving mortgage fund; federal and private grants; donations。

Habitat for Humanity of Lafayette Homeownership Program是第一抵押贷款，按Habitat for Humanity of Lafayette设定的条款偿还。 触发还款的情形：Habitat retains first right of refusal to repurchase if sold before mortgage paid off。 该援助以1st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 Lafayette 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：Exceptions for displaced homemakers, single parents who owned only with a former spouse, and owners of non-code-compliant property。 须参加购房者教育课程，由Habitat for Humanity of Lafayette in-house financial and homeownership workshops (required, count toward sweat equity)提供。 居住要求：Must have lived or worked in one of the seven service counties for at least 1 year。 公民身份或移民身份：US citizens and lawful permanent residents only。 20 sweat equity hours per month per adult (18+) including construction and education workshops. No bankruptcy within last 3 years. No eviction or foreclosure within last 3 years. Non-permanent residents not eligible. Cannot have owned a home in last 3 years. Total debt cannot exceed 40% of gross monthly income. No unpaid collections over $1,000 (medical excluded). Mortgage payment not to exceed 30% of monthly gross income. Loan term 15 years preferred, may extend to 20/25/30 for affordability.

Habitat for Humanity of Lafayette 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。 40%-80% AMI for Tippecanoe County. 1-person $27,930-$55,800; 4-person $39,870-$79,700; 8-person $52,670-$105,250. 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。

Habitat for Humanity of Lafayette Homeownership Program可用于single_family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Lafayette Homeownership Program服务于在Lafayette，Indiana购房的购房者。

Habitat for Humanity of Lafayette Homeownership Program的申请通过Habitat for Humanity of Lafayette办理，该机构在其网站上公布现行条款和申请步骤。 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。