Habitat for Humanity of Monroe County Homeownership Program

Habitat for Humanity of Monroe County Homeownership Program是面向Bloomington，Indiana购房者的第一抵押贷款，由Habitat for Humanity of Monroe County管理。 Habitat for Humanity of Monroe County builds and sells affordable new-construction and rehabilitated homes to qualifying low- to moderate-income families in Monroe County, IN. Homebuyers complete sweat equity hours and homeownership classes, then purchase through an affordable Habitat-financed mortgage at no profit. Applications accepted twice yearly following mandatory Homeowner Information Meetings. Affordable Habitat-financed mortgage at no profit; home 900-1,400 sq ft based on household size; Energy Star/Zero Energy Ready construction; homeownership classes; 1-year warranty. 资金来自Habitat revolving mortgage fund; sponsorships; grants。

Habitat for Humanity of Monroe County Homeownership Program是第一抵押贷款，按Habitat for Humanity of Monroe County设定的条款偿还。 触发还款的情形：Habitat holds first right of refusal on resale; restrictions continue for full original mortgage term。 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 Monroe County 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。 须参加购房者教育课程，由Habitat for Humanity of Monroe County in-house homeownership classes (required, count toward sweat equity)提供。 居住要求：Must have lived and/or worked in Monroe County for at least 1 year。 公民身份或移民身份：US citizens and permanent residents。 Must attend a Homeowner Information Meeting within the past year before applying. Must have lived/worked in Monroe County for minimum 1 year. All adults 18+ complete 250 sweat equity hours (min 100 on construction). Income 35%-80% AMI. Credit score NOT used; DTI evaluated instead. Judgments/liens cannot exceed $500 total (medical excluded). Mortgage term 15 years; may extend to 20/25/30. Habitat retains first right of refusal on resale.

Habitat for Humanity of Monroe County 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。 35%-80% AMI for Monroe County. 1+ year stable verifiable income required. 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。

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

Habitat for Humanity of Monroe County Homeownership Program的申请通过Habitat for Humanity of Monroe County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。