Hardin County Habitat for Humanity Homeownership Program

Hardin County Habitat for Humanity Homeownership Program是面向Elizabethtown，Kentucky购房者的静默第二贷款，由Hardin County Habitat for Humanity, Inc.管理。 Hardin County Habitat for Humanity builds simple, decent, affordable homes and sells them to qualified low-income partner families with a 25-year, 0% interest mortgage. Applicants complete sweat-equity hours (500 for families, 250 for individuals), attend financial literacy classes, and pay closing costs. 0% interest 25-year mortgage on a newly built home. Deferred subsidy via below-market sale. Financial literacy education. Sweat equity in lieu of down payment. 资金来自Revolving Fund for Humanity, donations, sponsors, ReStore proceeds。

Hardin County Habitat for Humanity Homeownership Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 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。

Hardin County 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。 “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。 关于信用，该项目说明：No numeric minimum; must owe under ~$3,000 total debt, no bankruptcy in last 18 months, pays rent on time, stable income 12 months。 须参加购房者教育课程，由Hardin County Habitat for Humanity (financial literacy classes)提供。 居住要求：Must be a resident/citizen of Hardin County。 公民身份或移民身份：Proof of U.S. citizenship or legal residency required。 Pre-screening application + non-refundable fee; 500 sweat-equity hours (250 if single); financial literacy classes; debt must not increase while in program. 'Lincoln Trail/Elizabethtown' affiliate = this organization.

Hardin County Habitat for Humanity Homeownership Program的收入限制如下：Income must fall within 30-60% of area median income (Habitat income guidelines; dollar table published as image). 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。

Hardin County Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Hardin County Habitat for Humanity Homeownership Program服务于在Elizabethtown，Kentucky购房的购房者。

Hardin County Habitat for Humanity Homeownership Program的申请通过Hardin County 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Annual application window / waitlist signup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。