Northwest Montana Community Land Trust Affordable Homeownership

Northwest Montana Community Land Trust Affordable Homeownership是面向Kalispell，Montana购房者的增值共享贷款，由Northwest Montana Community Land Trust, Inc. (NWMTCLT)管理。 Community Land Trust model: NWMTCLT retains ownership of land via ground lease while homebuyer owns the structure. Homes are priced significantly below market value to serve households earning up to 140% AMI. Low/no down payment, no PMI, fixed-rate financing. Upon resale, home must be sold to another income-qualified buyer at affordable price. Prices significantly below market. Low/no down payment. No private mortgage insurance. Perpetual affordability. Build equity in structure. 资金来自Private donations; local foundations; FHLB Des Moines; Whitefish Community Foundation; NeighborWorks Montana line of credit。

Northwest Montana Community Land Trust Affordable Homeownership是增值共享贷款，按Northwest Montana Community Land Trust, Inc. (NWMTCLT)设定的条款偿还。 触发还款的情形：Sale of home; resold to another moderate-income buyer at affordable price or back to Land Trust。 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。

Northwest Montana Community Land Trust Affordable Homeownership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：Generally 640 or higher required to qualify for mortgage。 须参加购房者教育课程，由Homebuyer classes required; participating lenders listed on website提供。 Owner must continuously occupy home; home kept in good repair; resale restricted to income-qualified buyer at affordable price; ground lease signed at closing; down payment amounts not published — contact NWMTCLT.

Northwest Montana Community Land Trust Affordable Homeownership将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 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 Montana Community Land Trust Affordable Homeownership的房价上限如下：Homes significantly less expensive than market-rate value; CLT keeps land affordable in perpetuity。 符合条件的房屋类型包括Single Family、Townhouse和Condo。 新建房屋符合条件。 预制房屋不符合条件。

Northwest Montana Community Land Trust Affordable Homeownership服务于在Kalispell，Montana购房的购房者。

Northwest Montana Community Land Trust Affordable Homeownership的申请通过Northwest Montana Community Land Trust, Inc. (NWMTCLT)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Contact NWMTCLT; follow newsletter/website for available homes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。