Habitat for Humanity 7 Rivers Maine Homeownership Program

Habitat for Humanity 7 Rivers Maine Homeownership Program是面向Bath，Maine购房者的静默第二贷款，由Habitat for Humanity / 7 Rivers Maine管理。 Habitat 7 Rivers Maine builds affordable homes for families earning no more than 80% of HUD AMI by county. Buyers must live in substandard housing, qualify for an affordable primary mortgage (PITI <=30% of gross income), perform 200 volunteer hours per adult, accept a zero-interest silent second mortgage held by Habitat, and grant Habitat a right of first refusal. Minimum credit score 640. Affordable Habitat-built home. Zero-interest silent second keeps home affordable. PITI capped at 30% of income. 资金来自Habitat for Humanity (donations, volunteer labor)。

Habitat for Humanity 7 Rivers Maine Homeownership Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Silent second payable in full to Habitat upon transfer/sale; Habitat holds 45-day right of first refusal. 该援助以Second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 7 Rivers Maine 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。 该项目列出的最低信用分数为640。 须参加购房者教育课程，由Maine HoMEworks course (Coastal Enterprises, Inc./CEI); www.mainehomeworks.org提供。 居住要求：Service area: Lincoln & Sagadahoc Counties and the towns of Brunswick and Harpswell。 Sweat equity: 200 volunteer hours per adult. Zero-interest silent second (no payments until transfer/sale, then full note due). Habitat right of first refusal (45-day window). Maine HoMEworks 10-hour education required. GAP: exact first-mortgage term/rate, dollar income limit at 80% (county-specific table provided), HUD AMI year not stated.

Habitat for Humanity 7 Rivers Maine 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。 No more than 80% HUD AMI by county. Lincoln 80% AMI: 1=$55,300;2=$63,200;3=$71,100;4=$78,950;5=$85,300;6=$91,600. Sagadahoc: 1=$57,800;2=$66,050;3=$74,300;4=$82,550;5=$89,200;6=$95,800. Cumberland: 1=$61,350;2=$70,100;3=$78,850;4=$87,600;5=$94,650;6=$101,650. 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。

Habitat for Humanity 7 Rivers Maine Homeownership Program的房价上限如下：Home cannot cost more than 30% of homeowner's gross household annual income (PITI test)。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。

Habitat for Humanity 7 Rivers Maine Homeownership Program服务于在Bath，Maine购房的购房者。 该项目针对特定区域：Lincoln & Sagadahoc Counties plus Brunswick and Harpswell, ME。

Habitat for Humanity 7 Rivers Maine Homeownership Program的申请通过Habitat for Humanity / 7 Rivers Maine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。