Habitat for Humanity Greater Raleigh Homeownership Program

Habitat for Humanity Greater Raleigh Homeownership Program是面向Raleigh，North Carolina购房者的第一抵押贷款，由Habitat for Humanity Greater Raleigh管理。 Habitat for Humanity Greater Raleigh builds affordable, energy-efficient homes and sells them to income-qualified first-time homebuyers with a 0% or below-market 30-year mortgage. Applicants must have lived or worked in Wake County for 12 months, have 24 months of steady income, be a US citizen or permanent resident, and complete at least 200 sweat-equity hours. Homes are sold at ~70% of appraised value with income capped at 80% AMI and a 15-year shared-appreciation rider. Affordable 30-year mortgage (0% or below-market). 200 sweat-equity hours in lieu of traditional down payment. Energy-efficient construction. Financial literacy education.

Habitat for Humanity Greater Raleigh Homeownership Program是第一抵押贷款，按Habitat for Humanity Greater Raleigh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 for Humanity Greater Raleigh 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。 此处的“首次”有例外情况：No ownership of home or land within past 3 years; former Habitat homeowners who sold also qualify。 关于信用，该项目说明：Reasonably good credit (no numeric threshold published)。 须参加购房者教育课程，由Financial literacy and homebuyer education courses (Habitat process)提供。 居住要求：Must have lived or worked in Wake County for the past 12 months。 公民身份或移民身份：US citizen or permanent resident。 Minimum 200 sweat-equity hours; financial literacy and homebuyer education; credit-check fee ($40/$65); Habitat-built home (no custom plan/garage); ~18-month timeline.

Habitat for Humanity Greater Raleigh 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。 At or below 80% AMI (Raleigh-Cary, eff. 6/1/2025): 1p $72,950; 2p $83,400; 3p $93,800; 4p $104,200; 5p $112,550; 6p $120,900; 7p $129,520; 8p $137,550. Must afford 70% of appraised value of an in-inventory home. 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。

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

Habitat for Humanity Greater Raleigh Homeownership Program服务于在Raleigh，North Carolina购房的购房者。

Habitat for Humanity Greater Raleigh Homeownership Program的申请通过Habitat for Humanity Greater Raleigh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。