Habitat for Humanity of Greater Newark Homeownership Program

Habitat for Humanity of Greater Newark Homeownership Program是面向Newark，New Jersey购房者的第一抵押贷款，由Habitat for Humanity of Greater Newark管理。 Habitat for Humanity of Greater Newark sells homes that partner families have helped build or renovate, with income-based 0% interest mortgages, to first-time homebuyers in Essex, Hudson, and Union Counties. Families must demonstrate housing need, ability to pay an affordable mortgage, and willingness to partner, completing at least 200 sweat-equity hours. Homes sold at or below cost. 0% interest income-based mortgage. 200 sweat-equity hours. Serves Essex, Hudson, and Union Counties. 资金来自Habitat affiliate; private/corporate donors; volunteer labor。

Habitat for Humanity of Greater Newark Homeownership Program是第一抵押贷款，按Habitat for Humanity of Greater Newark设定的条款偿还。 触发还款的情形：Monthly income-based mortgage payments; 0% interest。 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 of Greater Newark 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。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由Habitat orientation and homeowner education classes during sweat-equity period提供。 居住要求：Must live or work in Essex, Hudson, or Union County, NJ。 公民身份或移民身份：Not stated。 Minimum 200 sweat-equity hours; orientation required; selection-to-closing up to 24 months; first-time homebuyers only.

Habitat for Humanity of Greater Newark Homeownership Program的收入限制如下：Low- and moderate-income families in Essex, Hudson, and Union Counties; general Habitat guideline ~60% AMI; specific tables not published. 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 Greater Newark 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 of Greater Newark Homeownership Program服务于在Newark，New Jersey购房的购房者。 该项目针对特定区域：Essex, Hudson, and Union Counties, NJ。

Habitat for Humanity of Greater Newark Homeownership Program的申请通过Habitat for Humanity of Greater Newark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。