Habitat Charlotte Region Homebuyer Program

Habitat Charlotte Region Homebuyer Program是面向Charlotte，North Carolina购房者的第一抵押贷款，由Habitat for Humanity of the Charlotte Region管理。 Habitat Charlotte Region builds and sells affordable homes to income-qualified buyers (30-80% AMI; minimum household income $45,000) in Mecklenburg, Iredell, and Gaston counties. Buyers must demonstrate housing need, complete 150-300 Homeowner-In-Process volunteer hours, and complete Habitat's Pathways and Partners financial literacy curriculum. Mortgages are structured so monthly payments do not exceed 30% of gross income; veterans may apply outside normal cycles. No traditional down payment required. Affordable mortgage (payment under 30% of income). 150-300 sweat-equity hours. Financial literacy curriculum. Veterans can apply outside open cycles.

Habitat Charlotte Region Homebuyer Program是第一抵押贷款，按Habitat for Humanity of the Charlotte Region设定的条款偿还。 该援助以1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 Charlotte Region Homebuyer Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Does not own a home at time of application。 关于信用，该项目说明：Credit report reviewed; specific minimum not published。 须参加购房者教育课程，由Habitat Pathways and Partners financial literacy curriculum; mandatory orientation; HIP classes提供。 居住要求：Must have lived or worked in Charlotte or Pineville for the last year (Mecklenburg applicants)。 公民身份或移民身份：Legal US residents。 150-300 HIP volunteer hours; $20 application fee; debt/credit thresholds apply (under $1,200 delinquent debt, under $10,000 medical collections); 2 years since bankruptcy discharge.

Habitat Charlotte Region Homebuyer 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。 Between 30-80% of HUD AMI; minimum household income $45,000; opportunities may be limited in the 60-80% range. Mortgage payment under 30% of gross monthly income; total DTI under 40%. 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 Charlotte Region Homebuyer Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat Charlotte Region Homebuyer Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Habitat Charlotte Region Homebuyer Program服务于在Charlotte，North Carolina购房的购房者。

Habitat Charlotte Region Homebuyer Program的申请通过Habitat for Humanity of the Charlotte Region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。