Habitat for Humanity of Huron Valley Home Ownership Program

Habitat for Humanity of Huron Valley Home Ownership Program是面向Ann Arbor，Michigan购房者的首付援助，由Habitat for Humanity of Huron Valley管理。 Habitat for Humanity of Huron Valley sells newly renovated, energy-efficient homes in Washtenaw County to income-qualified first-time buyers and finances them with an affordable Habitat mortgage. Applicants are selected on housing need, willingness to partner, and ability to pay, and must contribute 250 sweat-equity hours per adult plus complete required homeowner education. Household income must fall between 30% and 80% of Washtenaw County AMI. Affordable Habitat-held mortgage. Newly renovated energy-efficient home. Required education and financial coaching. Path to homeownership for 30-80% AMI households.

Habitat for Humanity of Huron Valley Home Ownership Program是首付援助，按Habitat for Humanity of Huron Valley设定的条款偿还。 触发还款的情形：Affordable Habitat mortgage held by the affiliate; standard owner-occupancy resale terms apply。 该援助以First mortgage (Habitat-held)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 Huron Valley Home Ownership Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Must not currently own a home or be on a mortgage。 关于信用，该项目说明：No perfect credit required; must show ability to make regular payments. Collections/past-due/judgments/liens must be resolved; unresolved negatives are denied. 2+ years since any bankruptcy discharge. 须参加购房者教育课程，由Habitat for Humanity of Huron Valley (Legal Orientation, Home Maintenance, Pre-Purchase Education, 9-week/18-hour Financial Management Training)提供。 居住要求：Must live or work in Washtenaw County。 公民身份或移民身份：U.S. citizenship, permanent residency, or eligible immigration status。 Sweat-equity homeownership model (not a cash DPA): 250 sweat-equity hours per adult over 21. Must live or work in Washtenaw County, not currently own a home, and be 2+ years past any bankruptcy. Down payment required before closing. Background check, rental history, income/asset verification, and home visit required. Income min/max set annually by family size; published guideline table was last dated 2018-19 at review.

Habitat for Humanity of Huron Valley Home Ownership 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。 Qualifying household income 30%-80% of Washtenaw County AMI (HUD-based), with annual min/max thresholds by family size. 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 of Huron Valley Home Ownership Program可用于Single Family。

Habitat for Humanity of Huron Valley Home Ownership Program服务于在Ann Arbor，Michigan购房的购房者。

Habitat for Humanity of Huron Valley Home Ownership Program的申请通过Habitat for Humanity of Huron Valley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。