Habitat for Humanity of Wicomico County Homeownership Program

Habitat for Humanity of Wicomico County Homeownership Program是面向Wicomico县，Maryland购房者的第一抵押贷款，由Habitat for Humanity of Wicomico County管理。 Since 2006, Habitat for Humanity of Wicomico County has developed and sold newly constructed and rehabilitated homes to qualified families who live or work in Wicomico County and earn 30%-80% of AMI. Partner families purchase with an affordable 30-year zero-interest mortgage with payments not exceeding 30% of gross household income, after completing 200 sweat-equity hours and required education classes. Affordable 30-year zero-interest mortgage. Monthly payment capped at 30% of gross income. Financial literacy and homebuyer education. New and rehabilitated homes. Eastern Shore coverage since 2006. 资金来自Charitable donations, grants, ReStore sales。

Habitat for Humanity of Wicomico County Homeownership Program是第一抵押贷款，按Habitat for Humanity of Wicomico County设定的条款偿还。 触发还款的情形：30-year affordable mortgage; monthly payment not to exceed 30% of household gross 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 Wicomico County 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 published minimum score; delinquent debt less than $3,000; no open bankruptcies in past 2 years; on-time rent 12 consecutive months。 须参加购房者教育课程，由Habitat for Humanity of Wicomico County (financial education and first-time homebuyer education classes)提供。 居住要求：Must live or work in Wicomico County。 公民身份或移民身份：US citizen or permanent resident。 200 sweat equity hours per household; $90 non-refundable credit report fee; delinquent debt less than $3,000; no bankruptcy within 2 years; on-time rent 12 months; sex offender registry check for household members 18+.

Habitat for Humanity of Wicomico 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。 30%-60% AMI (up to 80% in some cases); minimum household income $40,000/year; FY2024 HUD Wicomico County 4-person max $56,220 at 60% AMI. 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 Wicomico 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 Wicomico County Homeownership Program服务于在Wicomico县，Maryland购房的购房者。 该项目针对特定区域：Wicomico County, Maryland (including Salisbury and Fruitland areas)。

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