Patuxent Habitat for Humanity Homeownership Program

Patuxent Habitat for Humanity Homeownership Program是面向Calvert|St. Mary's县，Maryland购房者的第一抵押贷款，由Patuxent Habitat for Humanity管理。 Patuxent Habitat for Humanity builds affordable homes in Calvert and St. Mary's Counties in Southern Maryland for families earning 30%-50% of local area median income. Homebuyers receive a 30-year low-interest mortgage averaging $650-$750 per month including escrow, with payments not exceeding 30% of gross monthly income, after completing 250 sweat-equity hours. 30-year low-interest mortgage. Average monthly payment $650-$750 incl. taxes and insurance. No prior construction experience required. Disability sweat-equity accommodations. Serves Southern Maryland. 资金来自Charitable donations, ReStore sales, volunteers。

Patuxent Habitat for Humanity Homeownership Program是第一抵押贷款，按Patuxent Habitat for Humanity设定的条款偿还。 触发还款的情形：30-year mortgage; payments recycled to 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。

Patuxent Habitat for Humanity Homeownership Program面向将房屋作为主要住所自住的购房者。 居住要求：Must be a resident of Calvert or St. Mary's County for at least 1 year prior to application。 公民身份或移民身份：US citizen or permanent resident。 250 sweat equity hours; income 30-50% of area median income; 1-year county residency; all bad debt must be resolved before purchase; credit counseling referral provided. Interest rate not published online.

Patuxent Habitat for Humanity Homeownership Program将家庭收入限制在地区收入中位数的50%，该数值因县和家庭人数而异。 Household income between 30%-50% of area median income for Calvert and St. Mary's Counties. 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。

Patuxent Habitat for Humanity Homeownership Program的房价上限如下：Habitat builds in Calvert and St. Mary's only; build cost approximately $150,000-$190,000。 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。

Patuxent Habitat for Humanity Homeownership Program在其服务群体中提到了残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Patuxent Habitat for Humanity Homeownership Program服务于在Calvert|St. Mary's县，Maryland购房的购房者。 该项目针对特定区域：Calvert County and St. Mary's County, Maryland only。

Patuxent Habitat for Humanity Homeownership Program的申请通过Patuxent Habitat for Humanity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。