Habitat for Humanity Mid-Yellowstone Valley Homeownership Program

Habitat for Humanity Mid-Yellowstone Valley Homeownership Program是面向Billings，Montana购房者的第一抵押贷款，由Habitat for Humanity Mid-Yellowstone Valley管理。 Habitat for Humanity Mid-Yellowstone Valley sells newly-built homes in Yellowstone County to qualified low-income partner families with a 0% interest mortgage and no required down payment. Buyers must demonstrate housing need, complete 12-24 months of sweat equity and financial education, meet HUD Yellowstone County low-income guidelines, and have lived or worked in the county for at least a year. The no-interest, affordable structure delivers deep ownership assistance in lieu of a down-payment grant. 0% interest mortgage. No down payment required. HUD Yellowstone County income guidelines. ADA-accessible new homes. Sweat-equity path to ownership. 资金来自Habitat for Humanity Mid-Yellowstone Valley (donations, volunteer labor, ReStore)。

Habitat for Humanity Mid-Yellowstone Valley Homeownership Program是第一抵押贷款，按Habitat for Humanity Mid-Yellowstone Valley设定的条款偿还。 触发还款的情形：Affordable 0% interest amortizing mortgage cycled back into the community. 该援助以1st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。

Habitat for Humanity Mid-Yellowstone Valley Homeownership Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No fixed minimum; debt load assessed for ability to pay. Active bankruptcy or discharge within past year disqualifies temporarily. 须参加购房者教育课程，由Habitat MYV financial education workshops提供。 居住要求：Must have resided in or commuted to a job within Yellowstone County for at least the past year. Applications open only 1-2 cycles per year. Sexual-offense conviction disqualifies; violent felony within 5 years disqualifies.

Habitat for Humanity Mid-Yellowstone Valley 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。 Uses HUD low-income guidelines specific to Yellowstone County, updated annually; provided on an income chart with application materials. 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。

Habitat for Humanity Mid-Yellowstone Valley Homeownership Program可用于Newly-constructed Habitat single-family homes (one-level, ADA-accessible, attached garage; up to 4 bedrooms)。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity Mid-Yellowstone Valley Homeownership Program服务于在Billings，Montana购房的购房者。

Habitat for Humanity Mid-Yellowstone Valley Homeownership Program的申请通过Habitat for Humanity Mid-Yellowstone Valley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Applications distributed/processed only during open cycles (usually 1-2 per year)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。