Kalamazoo Valley Habitat for Humanity Homeownership Program

Kalamazoo Valley Habitat for Humanity Homeownership Program是面向Kalamazoo，Michigan购房者的第一抵押贷款，由Kalamazoo Valley Habitat for Humanity管理。 Kalamazoo Valley Habitat for Humanity's Homeownership Program builds and rehabilitates affordable homes and sells them to qualified partner families using an affordable (0% interest) Habitat mortgage. Applicants must demonstrate a housing need, ability to pay an affordable mortgage, and willingness to partner with Habitat (sweat-equity hours and homebuyer education). Applications open once a year in January. Affordable 0% interest Habitat mortgage. Newly built or rehabilitated home. Homebuyer education and financial readiness support. Low ($1,000) down payment requirement. 资金来自Kalamazoo Valley Habitat for Humanity; community partners (Kalamazoo Community Foundation, Kalamazoo County, PNC Bank, Old National, Mercantile Bank, Consumers Energy, etc.)。

Kalamazoo Valley Habitat for Humanity Homeownership Program是第一抵押贷款，按Kalamazoo Valley Habitat for Humanity设定的条款偿还。 触发还款的情形：Affordable Habitat mortgage repaid over loan term; sale/transfer terms governed by Habitat mortgage and any silent second。 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。

Kalamazoo Valley 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。 此处的“首次”有例外情况：May not have owned a home within the last three years (exceptions may be made for mobile homes)。 关于信用，该项目说明：No published minimum credit score; applicant must have a steady, reliable payment history (including rent) and $2,000 or less in past-due/collections debt and not be in active bankruptcy。 须参加购房者教育课程，由Habitat sweat-equity/partnership program requirements including required volunteer (sweat-equity) hours and homebuyer education提供。 居住要求：Must live in Kalamazoo County, or in Otsego, Otsego Township, Plainwell, or Gun Plain Township in Allegan County。 Application window is annual (most recently January 1-31); program currently between application cycles but funded and operating. Eligible service area is Kalamazoo County plus Otsego, Otsego Township, Plainwell, and Gun Plain Township in Allegan County. Requires sweat-equity volunteer hours, reliable transportation and internet, no active bankruptcy, and $2,000 or less in past-due/collections debt. Full multi-size income table and selection criteria are in the linked 2025 Homebuyer Selection Criteria PDF; precise income bands by household size were not fully legible on the live page and are left null.

Kalamazoo Valley Habitat for Humanity Homeownership Program的收入限制如下：Household income must meet Habitat program requirements (income bands published annually based on HUD figures). The published 1-person band for the affiliate's income table shows $19,260-$38,520; full multi-size table not legible on the live page. 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。

Kalamazoo Valley Habitat for Humanity Homeownership Program可用于Single Family和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Kalamazoo Valley Habitat for Humanity Homeownership Program服务于在Kalamazoo，Michigan购房的购房者。 该项目针对特定区域：Kalamazoo County plus Otsego, Otsego Township, Plainwell, and Gun Plain Township in Allegan County。

Kalamazoo Valley Habitat for Humanity Homeownership Program的申请通过Kalamazoo Valley Habitat for Humanity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Annual application cycle; applications open once per year in January (most recent window January 1-31)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。