Saginaw-Shiawassee Habitat for Humanity Homeownership Program

Saginaw-Shiawassee Habitat for Humanity Homeownership Program是面向Saginaw，Michigan购房者的首付援助，由Saginaw-Shiawassee Habitat for Humanity管理。 Saginaw-Shiawassee Habitat for Humanity helps income-qualified, first-time homebuyer families move from substandard housing into newly built or renovated, energy-efficient homes purchased with an affordable Habitat mortgage capped at 30% of gross monthly income. Applicants must live or work in Saginaw or Shiawassee County, earn between roughly 30% and 80% of AMI, complete 250 sweat-equity hours per adult and homebuyer education, and make a down payment before closing. Affordable Habitat mortgage (payment capped at 30% of income). Below-market, energy-efficient home. Homebuyer education and financial coaching. 资金来自Saginaw-Shiawassee Habitat for Humanity (donations, grants, sweat equity)。

Saginaw-Shiawassee Habitat for Humanity Homeownership Program是首付援助，按Saginaw-Shiawassee Habitat for Humanity设定的条款偿还。 触发还款的情形：Affordable Habitat mortgage with payment capped at 30% of gross monthly income at closing; resale/affordability restrictions per Habitat policy. 该援助以First (Habitat mortgage)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。

Saginaw-Shiawassee 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：No perfect credit required; applicants must show ability to make regular payments. Collections, past-due accounts, judgments, or liens must be addressed; negative items will result in denial unless resolved. 须参加购房者教育课程，由Saginaw-Shiawassee Habitat for Humanity classes (evening/weekend/online); financial coaching提供。 居住要求：Must live or work in Saginaw or Shiawassee County. 公民身份或移民身份：U.S. citizenship, permanent residency status, or eligible immigration status. Habitat sweat-equity homeownership (below-market mortgage), assistance_type=other. Income table captured from the official page (page displays both a current and a prior-year table; most recent used — VERIFY current-year figures).

Saginaw-Shiawassee 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。 Qualifying income minimums and maximums are 30%-80% of AMI for Saginaw and Shiawassee County, by family size (updated annually). Min/Max annual income: 1: $14,681.25/$39,150; 2: $16,781.25/$44,750; 3: $18,881.25/$50,350; 4: $20,962.50/$55,900; 5: $22,650/$60,400; 6: $24,318.75/$64,850; 7: $26,006.25/$69,350; 8: $27,675/$73,800. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Saginaw-Shiawassee Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Saginaw-Shiawassee Habitat for Humanity Homeownership Program服务于在Saginaw，Michigan购房的购房者。

Saginaw-Shiawassee Habitat for Humanity Homeownership Program的申请通过Saginaw-Shiawassee 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Application-meeting based selection by family selection committee.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。