NH Capital Region Habitat for Humanity Homeownership Program

NH Capital Region Habitat for Humanity Homeownership Program是面向Warner，New Hampshire购房者的第一抵押贷款，由New Hampshire Capital Region Habitat for Humanity管理。 NH Capital Region Habitat for Humanity (Concord-area affiliate, 16 towns) renovates ~one property per year (typically a single-wide manufactured home) and sells it at no profit to a qualifying low-income household, financed with an affordable, no-interest (0%) mortgage. Selected families complete 200 hours of sweat equity and required financial education. Homeowners are chosen by a Family Selection Committee using an objective scoring tool; total housing cost is capped at 30% of the buyer's income. Affordable 0% interest mortgage. Home sold at no profit. Housing cost capped at 30% of income. Financial education provided. Hands-on sweat-equity partnership. 资金来自Capital Region Habitat for Humanity (donations, sponsorships, home sale proceeds)。

NH Capital Region Habitat for Humanity Homeownership Program是第一抵押贷款，按New Hampshire Capital Region Habitat for Humanity设定的条款偿还。 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。

NH Capital Region Habitat for Humanity 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 minimum score stated; applicant must have verifiable credit experience and good credit history with ability to repay; on-time payments over the past 12 months required. 须参加购房者教育课程，由NH Capital Region Habitat for Humanity (required financial education courses/workshops)提供。 居住要求：Must live or work in the 16-town service area and have lived there at least one year: Boscawen, Bow, Canterbury, Chichester, Concord, Dunbarton, Epsom, Henniker, Hopkinton, Loudon, Pembroke, Penacook, Pittsfield, Salisbury, Warner, Webster (Home page also lists Allenstown). 公民身份或移民身份：Must be a law-abiding permanent legal resident。 200 hours sweat equity and required financial education; must currently live in inadequate/unaffordable housing; background and sex-offender checks for members 18+; housing cost <=30% and total debt+housing <=45% of income; applications accepted only during an open period (property listed on MLS, ~3 weeks to apply). Documented income-limit discrepancy between affiliate documents (60% AMFI vs 80% AMI).

NH Capital Region Habitat for Humanity Homeownership Program将家庭收入限制在地区收入中位数的60%，该数值因县和家庭人数而异。 Household income (all sources/members) must fall between 25% and 60% of Merrimack County Area Median Family Income, adjusted for family size. 2021 AMFI 60% table: 1 $39,360; 2 $44,940; 3 $50,580; 4 $56,160; 5 $60,660; 6 $65,160; 7 $69,660; 8 $74,160. NOTE: affiliate's Homeownership Overview instead cites 80% AMI (1-person $52,450) — a documented discrepancy to confirm. 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。

NH Capital Region Habitat for Humanity Homeownership Program可用于Manufactured和Single Family。 预制房屋符合条件。

NH Capital Region Habitat for Humanity Homeownership Program服务于在Warner，New Hampshire购房的购房者。

NH Capital Region Habitat for Humanity Homeownership Program的申请通过New Hampshire Capital Region Habitat for Humanity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。