Habitat for Humanity Grand Traverse Region Homeownership Program

Habitat for Humanity Grand Traverse Region Homeownership Program是面向Traverse City，Michigan购房者的首付援助，由Habitat for Humanity Grand Traverse Region管理。 Habitat for Humanity Grand Traverse Region partners with middle-income individuals and families who could not otherwise buy a home, helping them purchase a newly built or rehabilitated home with an affordable mortgage capped at 30% of gross income. The program explicitly includes down payment assistance, financial-management training, a personal mentor, and 200 sweat-equity hours per adult. Income is considered up to 120% of AMI; applicants need a 640+ credit score and personal debt under 11% of income. Down payment assistance. Affordable mortgage (payment capped at 30% of income). Personal mentor. Financial management training. 资金来自Habitat for Humanity Grand Traverse Region (donations, grants, sweat equity)。

Habitat for Humanity Grand Traverse Region Homeownership Program是首付援助，按Habitat for Humanity Grand Traverse Region设定的条款偿还。 触发还款的情形：Affordable Habitat mortgage with payment capped at 30% of gross income at closing; resale/affordability restrictions per Habitat policy. 该援助以First (Habitat mortgage)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 Grand Traverse Region 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：Credit rating of 'Good' (640-739) or better; personal debt under 11% of income. 须参加购房者教育课程，由Habitat GTR Financial Management/Budgeting/Home Maintenance classes; Habitat Michigan financial coaching提供。 居住要求：Serves the Grand Traverse Region (including Grand Traverse and Leelanau counties). Habitat sweat-equity homeownership with stated DPA benefit, assistance_type=other.

Habitat for Humanity Grand Traverse Region Homeownership Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Income considered up to 120% of area median income (less income does not make a candidate more eligible). Illustrative qualifying examples (Leelanau County): adult couple up to $84,000/yr; two adults + two children up to $105,000/yr. Full dollar table by household size not published. 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 Grand Traverse Region 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 Grand Traverse Region Homeownership Program服务于在Traverse City，Michigan购房的购房者。

Habitat for Humanity Grand Traverse Region Homeownership Program的申请通过Habitat for Humanity Grand Traverse Region办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Interest form then application/selection by volunteer family selection committee.预留。 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。