Habitat for Humanity of Northwest Louisiana Homeownership Program

Habitat for Humanity of Northwest Louisiana Homeownership Program是面向Shreveport，Louisiana购房者的第一抵押贷款，由Habitat for Humanity of Northwest Louisiana管理。 Habitat for Humanity of Northwest Louisiana partners with low-income families to build or rehabilitate affordable homes in Caddo, Bossier, and DeSoto Parishes. Qualified partner families receive a zero-interest, no-profit mortgage. Applicants contribute a minimum of 350 hours of sweat equity and complete credit counseling and homebuyer education. Zero-interest mortgage. No profit on home sale. Affordable monthly payment tied to income. Serves Caddo, Bossier, DeSoto Parishes. 资金来自Donated labor and materials; private charitable contributions; FHLB grants。

Habitat for Humanity of Northwest Louisiana Homeownership Program是第一抵押贷款，按Habitat for Humanity of Northwest Louisiana设定的条款偿还。 触发还款的情形：Standard mortgage repayment required; partner families purchase the home。 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。

Habitat for Humanity of Northwest Louisiana 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：Must not have owned a home in the previous 3 years (HUD definition)。 关于信用，该项目说明：No minimum credit score; credit reviewed for on-time payment history; no open foreclosures, bankruptcies, collections。 须参加购房者教育课程，由Habitat for Humanity of Northwest Louisiana提供。 居住要求：Must reside in Caddo, Bossier, or DeSoto Parish, LA。 公民身份或移民身份：At least one applicant must have permanent legal residency。 Application windows open periodically; contact affiliate. 350 hours sweat equity. Credit counseling and homebuyer education required.

Habitat for Humanity of Northwest Louisiana Homeownership Program将家庭收入限制在地区收入中位数的60%，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。

Habitat for Humanity of Northwest Louisiana Homeownership Program的房价上限如下：Home priced to be affordable; not market-based。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Northwest Louisiana Homeownership Program服务于在Shreveport，Louisiana购房的购房者。

Habitat for Humanity of Northwest Louisiana Homeownership Program的申请通过Habitat for Humanity of Northwest Louisiana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; family selection committee review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。