ICCF Community Homes Land Trust (CHLT)

ICCF Community Homes Land Trust (CHLT)是面向Grand Rapids，Michigan购房者的增值共享贷款，由ICCF Community Homes管理。 ICCF Community Homes' Community Homes Land Trust (CHLT), founded in 2019, offers income-eligible first-time homebuyers move-in-ready renovated or newly constructed homes in West Michigan at a significantly reduced price. ICCF retains ownership of the land while the buyer purchases the home; on resale a formula limits the buyer's profit so the home stays affordable. Below-market home purchase price. Permanently affordable CLT model. Protects buyers from investor competition. HUD-certified education and counseling included.

ICCF Community Homes Land Trust (CHLT)是增值共享贷款，按ICCF Community Homes设定的条款偿还。 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。

ICCF Community Homes Land Trust (CHLT)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：HUD definition of first-time homebuyer applies。 须参加购房者教育课程，由ICCF Introduction to Homeownership Class (HUD/MSHDA-approved); ICCF Housing Counseling; other HUD-approved providers提供。 Must complete HUD-certified homebuyer education and obtain pre-approval. Income guidelines in CHLT guide (exact AMI not confirmed here). VA/FHA loans ineligible for land trust properties. Conventional financing required. Founded 2019; actively operating.

ICCF Community Homes Land Trust (CHLT)的收入限制如下：Income guidelines apply; specific AMI % and dollar amounts in the CHLT Homebuyer and Homeowner Guide. 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。

ICCF Community Homes Land Trust (CHLT)可用于Single Family和Condo。 新建房屋符合条件。 预制房屋不符合条件。

ICCF Community Homes Land Trust (CHLT)服务于在Grand Rapids，Michigan购房的购房者。

ICCF Community Homes Land Trust (CHLT)的申请通过ICCF Community Homes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。