Habitat for Humanity of Missoula Homeownership Program

Habitat for Humanity of Missoula Homeownership Program是面向Missoula，Montana购房者的第一抵押贷款，由Habitat for Humanity of Missoula管理。 Habitat for Humanity of Missoula builds and sells newly-constructed homes at cost to partner families with a 0% interest mortgage structured to be no more than 30% of monthly income. Applicants must earn roughly 40-80% of area median income, have lived/worked in Missoula County for a year, demonstrate housing need, and complete 500 hours of sweat equity. It functions as deep down-payment/affordability assistance through the no-interest, at-cost sale. 0% interest mortgage. No cash down payment. Home sold at cost. Payment capped at ~30% of income. Sweat-equity path to ownership. 资金来自Habitat for Humanity of Missoula (donations, volunteer labor, ReStore)。

Habitat for Humanity of Missoula Homeownership Program是第一抵押贷款，按Habitat for Humanity of Missoula设定的条款偿还。 触发还款的情形：Affordable amortizing 0% mortgage; payment no more than 30% of monthly income. 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 of Missoula 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 published minimum; ability to repay an affordable mortgage is evaluated. 须参加购房者教育课程，由Habitat for Humanity of Missoula homeownership classes提供。 居住要求：Must have lived or worked in Missoula County for at least one year prior to applying. Applications accepted only during an annual open period.

Habitat for Humanity of Missoula 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。 Habitat seeks family partners earning approximately 40-80% of area median income (fluctuates annually). 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 of Missoula Homeownership Program可用于Newly-constructed Habitat single-family homes。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of Missoula Homeownership Program服务于在Missoula，Montana购房的购房者。

Habitat for Humanity of Missoula Homeownership Program的申请通过Habitat for Humanity of Missoula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Open application during a set period each 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。