Habitat for Humanity of the Chesapeake Homeownership Program

Habitat for Humanity of the Chesapeake Homeownership Program是面向Baltimore City|Baltimore|Anne Arundel|Howard县，Maryland购房者的第一抵押贷款，由Habitat for Humanity of the Chesapeake管理。 Habitat for Humanity of the Chesapeake builds and renovates 2-3 bedroom homes with central air and new appliances for income-qualified families in Central Maryland, primarily Baltimore City with additional homes in surrounding counties. Homebuyers receive an affordable 30-year mortgage with payments within 30% of household income, and must complete 250 sweat-equity hours including 50 hours of homebuyer education. Affordable 30-year mortgage below 30% of household income. New or fully renovated 2-3 bedroom homes with central AC. Serves Baltimore City and surrounding counties. Online pre-qualification after info session. 资金来自Charitable donations, ReStore sales, grants。

Habitat for Humanity of the Chesapeake Homeownership Program是第一抵押贷款，按Habitat for Humanity of the Chesapeake设定的条款偿还。 触发还款的情形：30-year affordable mortgage; monthly payments fund future Habitat builds。 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 the Chesapeake 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：Minimum 600; no open judgments or liens; less than $1,000 in collections; bankruptcies discharged 2+ years。 须参加购房者教育课程，由Habitat for Humanity of the Chesapeake (50 hours homebuyer education required as part of 250 total sweat equity hours)提供。 公民身份或移民身份：US citizen or permanent resident。 250 sweat equity hours (50 hours homebuyer education); minimum credit score 600; no open judgments/liens; less than $1,000 in collections; bankruptcies discharged 2+ years; stable employment 1+ year; must attend info session before applying; typical 12-18 month process.

Habitat for Humanity of the Chesapeake 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。 30%-80% AMI; April 2025 HUD Baltimore-Columbia-Towson 4-person min $40,200 max $106,800. 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 the Chesapeake 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 the Chesapeake Homeownership Program服务于在Baltimore City|Baltimore|Anne Arundel|Howard县，Maryland购房的购房者。 该项目针对特定区域：Primarily Baltimore City (Mt. Winans and surrounding neighborhoods); additional homes in Baltimore, Anne Arundel, and Howard Counties。 目标社区：Mt. Winans (Baltimore City) and other Central Maryland neighborhoods。

Habitat for Humanity of the Chesapeake Homeownership Program的申请通过Habitat for Humanity of the Chesapeake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。