Northwest Michigan Habitat for Humanity Home Ready Program

Northwest Michigan Habitat for Humanity Home Ready Program是面向Petoskey，Michigan购房者的第一抵押贷款，由Northwest Michigan Habitat for Humanity管理。 Northwest Michigan Habitat for Humanity's Home Ready program partners with lenders to create affordable mortgage products for buyers in Emmet and Charlevoix counties, eliminating barriers such as high interest rates, down payments, and closing costs and ensuring homeowners pay no more than 30% of income toward housing. Buyers own both the home and land, complete homebuyer education, and pledge 200 hours of sweat equity within two years of purchase. Affordable lender-partnered mortgage. Housing costs capped at 30% of income. Own home and land. Homebuyer education. 资金来自Private donations; partnered lender mortgage products。

Northwest Michigan Habitat for Humanity Home Ready Program是第一抵押贷款，按Northwest Michigan 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。

Northwest Michigan Habitat for Humanity Home Ready 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：Must receive mortgage approval of at least $190,000 from a partnered lender. 须参加购房者教育课程，由Northwest Michigan Habitat homebuyer education courses提供。 居住要求：Must live OR work in Emmet or Charlevoix County。 Must live or work in Emmet or Charlevoix County. Must receive mortgage approval of at least $190,000 and have reliable income. Pledge 200 sweat equity hours within 2 years of purchase. Income caps published on program page (vary by county). Provider email not published online - contact by phone.

Northwest Michigan Habitat for Humanity Home Ready Program的收入限制如下：Household income must fall below published income caps for Emmet or Charlevoix County (caps vary slightly by county; published on program 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。

Northwest Michigan Habitat for Humanity Home Ready Program的房价上限如下：Housing costs capped at no more than 30% of income。 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。

Northwest Michigan Habitat for Humanity Home Ready Program服务于在Petoskey，Michigan购房的购房者。

Northwest Michigan Habitat for Humanity Home Ready Program的申请通过Northwest Michigan 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。