Habitat for Humanity of Washington County Homeownership Program

Habitat for Humanity of Washington County Homeownership Program是面向Washington县，Maryland购房者的第一抵押贷款，由Habitat for Humanity of Washington County管理。 Habitat for Humanity of Washington County provides affordable homeownership to low-to-moderate-income first-time homebuyers in Washington County, Maryland. Approved applicants receive a zero-interest 30-year mortgage with combined monthly payment capped at 33% of gross monthly income, after completing 200 sweat-equity hours, financial education, and establishing a monthly savings account. Zero-interest 30-year mortgage. Combined monthly payment capped at 33% of gross income. Financial/homeownership education. Currently accepting applications at McCleary Hill. Serves Washington County. 资金来自Charitable donations, ReStore sales, grants。

Habitat for Humanity of Washington County Homeownership Program是第一抵押贷款，按Habitat for Humanity of Washington County设定的条款偿还。 触发还款的情形：30-year mortgage; total monthly payment not to exceed 33% of gross monthly income。 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 Washington County 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：Minimum 600; no accounts in collection, charge-offs, unsatisfied public records, or bankruptcies within last 7 years。 须参加购房者教育课程，由Habitat for Humanity of Washington County (financial/homeownership education in sweat equity program)提供。 居住要求：Washington County, MD resident for at least 1 year。 公民身份或移民身份：US citizen or permanent legal resident。 200 sweat equity hours; first-time homebuyer; minimum credit score 600; no bankruptcies in last 7 years; stable employment; monthly savings account required; criminal background check; cash down payment required (varies by product). Begin via Form of Interest on website.

Habitat for Humanity of Washington County 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。 Generally 50%-80% AMI; current McCleary Hill project 5-person min $46,850 max $80,960; check specific project application for current limits. 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 Washington County 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 Washington County Homeownership Program服务于在Washington县，Maryland购房的购房者。 该项目针对特定区域：Washington County, Maryland; active project at McCleary Hill, Hagerstown。

Habitat for Humanity of Washington County Homeownership Program的申请通过Habitat for Humanity of Washington County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。