Salina Habitat for Humanity Homeownership Program

Salina Habitat for Humanity Homeownership Program是面向Salina，Kansas购房者的第一抵押贷款，由Salina Habitat for Humanity, Inc.管理。 Salina Habitat for Humanity provides affordable homeownership in the Salina, KS area through an interest-free mortgage on a Habitat-built home. Families pay the principal over 25 years without interest, are selected based on need for housing, demonstrated ability to pay, and willingness to partner, and complete 350 sweat-equity hours. It is not a giveaway program; families make monthly mortgage payments which fund construction of additional homes. 0% interest mortgage. 25-year term. Below-market home cost. Required homeownership workshops. Equal opportunity housing provider. 资金来自Habitat for Humanity affiliate (donations, ReStore proceeds, mortgage payments).

Salina Habitat for Humanity Homeownership Program是第一抵押贷款，按Salina Habitat for Humanity, Inc.设定的条款偿还。 触发还款的情形：Monthly mortgage payments over a 25-year term. 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。

Salina Habitat for Humanity Homeownership Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Acceptable credit history, including a good record of paying rent and utilities; bankruptcies must have been discharged for two years. 须参加购房者教育课程，由Salina Habitat for Humanity required homeownership workshops.提供。 公民身份或移民身份：Applicants must be U.S. citizens or permanent resident aliens. Habitat homeownership (interest-free first mortgage), not a cash DPA. Income 30–60% of Salina area median at application. Two-year stable income/employment. Monthly debt payments cannot exceed 40% of gross monthly income. Acceptable credit; bankruptcies discharged 2+ years. U.S. citizen or permanent resident alien. Cannot qualify for conventional financing and cannot presently own real estate. $300 down payment before closing. 350 total sweat-equity hours (50 training, 150 direct family, 150 extended family/friends).

Salina Habitat for Humanity Homeownership Program的收入限制如下：Gross household income must be between 30% and 60% of the median income for the Salina area at time of application. 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。

Salina Habitat for Humanity Homeownership Program的房价上限如下：Home sold at cost; principal paid over 25 years without interest. 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

Salina Habitat for Humanity Homeownership Program服务于在Salina，Kansas购房的购房者。

Salina Habitat for Humanity Homeownership Program的申请通过Salina Habitat for Humanity, Inc.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Periodic application cycles (application meetings typically held in April and October).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。