Harbor Habitat for Humanity Homeownership Program

Harbor Habitat for Humanity Homeownership Program是面向Benton Harbor，Michigan购房者的第一抵押贷款，由Harbor Habitat for Humanity管理。 Harbor Habitat for Humanity partners with families in Berrien County to build and purchase affordable homes. Qualified buyers (30-80% AMI) make a modest down payment, complete a minimum of 300 sweat equity hours, attend educational workshops, and purchase a newly constructed home with an affordable mortgage starting at 22% of income. Applicants submit an Intake Service Packet to begin. Affordable mortgage starting at 22% of income. Modest down payment. Newly constructed energy-efficient home with appliances. Homeownership education. 资金来自Private donations; volunteer labor; mortgage payments recycled。

Harbor Habitat for Humanity Homeownership Program是第一抵押贷款，按Harbor Habitat for Humanity设定的条款偿还。 该援助以First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。

Harbor Habitat for Humanity 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：Responsible credit history with only moderate current debt required. 须参加购房者教育课程，由Harbor Habitat educational workshops提供。 居住要求：Berrien County, MI。 Income must fall 30-80% AMI for Berrien County. Minimum 300 sweat equity hours (at least half on construction site if able). Responsible credit history with moderate debt. Submit Intake Service Packet to begin.

Harbor Habitat for Humanity 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。 Household income must fall between 30% and 80% of Area Median Income for Berrien County (based on HUD data, updated annually). Monthly mortgage payment starts at 22% of income including taxes and insurance. 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。

Harbor Habitat for Humanity Homeownership Program的房价上限如下：Monthly mortgage payment starting at 22% of income (incl. taxes & insurance)。 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。

Harbor Habitat for Humanity Homeownership Program服务于在Benton Harbor，Michigan购房的购房者。

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