New Orleans Area Habitat for Humanity Homeownership Program

New Orleans Area Habitat for Humanity Homeownership Program是面向New Orleans，Louisiana购房者的首付援助，由New Orleans Area Habitat for Humanity管理。 New Orleans Area Habitat for Humanity (NOAHH) offers an affordable homeownership program for income-qualified families in housing need. Selected 'partner families' complete 250 hours of sweat equity (in place of a cash down payment), homeownership education, and purchase a Habitat-built/renovated home with an affordable mortgage whose monthly payment never exceeds 30% of household income. Qualification is based on housing need, ability to pay, and willingness to partner rather than first-time-buyer status. No cash down payment (250 sweat-equity hours instead). Affordable mortgage capped at 30% of monthly income. Homeownership education and partnership support. Serves families who cannot obtain conventional financing. Habitat-built quality homes. 资金来自Nonprofit (Habitat for Humanity affiliate) - donations, volunteer labor, and affordable mortgage financing.

New Orleans Area Habitat for Humanity Homeownership Program是首付援助，按New Orleans Area Habitat for Humanity设定的条款偿还。 触发还款的情形：Homebuyer purchases the Habitat-built home with an affordable mortgage held/serviced by NOAHH; monthly payment never exceeds 30% of monthly income. Down payment is replaced by required sweat-equity volunteer hours rather than cash. 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。

New Orleans Area 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：No specific score; any bankruptcy must be discharged at least 2 years with demonstrated improved credit, and applicant must have less than $2,000 in past-due debt. 须参加购房者教育课程，由NOAHH homeownership/financial education as part of the partner-family process.提供。

New Orleans Area Habitat for Humanity Homeownership Program的收入限制如下：Minimum income roughly $3,145/month ($37,740/yr before taxes) for a one-person household; maximum income depends on household size (set against AMI). At least two years of stable 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。

New Orleans Area 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。

New Orleans Area Habitat for Humanity Homeownership Program服务于在New Orleans，Louisiana购房的购房者。

New Orleans Area Habitat for Humanity Homeownership Program的申请通过New Orleans Area Habitat for Humanity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 via Family Services Department; selected applicants become 'partner families' and complete sweat-equity hours before selecting a lot/home.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。