Morris Habitat for Humanity Homeownership Program

Morris Habitat for Humanity Homeownership Program是面向Randolph，New Jersey购房者的第一抵押贷款，由Greater Middlesex & Morris Habitat for Humanity管理。 Morris Habitat for Humanity partners with low- to moderate-income families to build and sell new-construction homes with 0% interest mortgages and monthly payments capped at 30% of gross income. Applicants attend a mandatory Program Information Meeting, undergo income verification and credit review, pass a home visit, and enter a lottery for available homes. Selected families complete 300-400 sweat-equity hours. 0% interest mortgage. No down payment required. New construction homes. Homebuyer education. 资金来自Habitat affiliate; private/corporate donors; municipal contributions。

Morris Habitat for Humanity Homeownership Program是第一抵押贷款，按Greater Middlesex & Morris Habitat for Humanity设定的条款偿还。 触发还款的情形：Monthly mortgage payments; 0% interest for life of loan。 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。

Morris Habitat for Humanity 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：Cannot have owned a home for at least 24 months。 关于信用，该项目说明：Clean credit history with score of at least 600。 须参加购房者教育课程，由Mandatory Program Information Meeting; homeownership classes during sweat-equity period提供。 居住要求：Morris County, NJ。 公民身份或移民身份：Not stated。 Mandatory Program Information Meeting before applying; 300-400 sweat-equity hours; background check on household members 16+; debt under 40% of income.

Morris Habitat for Humanity Homeownership Program的收入限制如下：Total household income at least $30,000; maximum income limits range ~$66,471 (3-person) to ~$97,491 (8-person) per current project listing; moderate-income households invited. 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。

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

Morris Habitat for Humanity Homeownership Program服务于在Randolph，New Jersey购房的购房者。 该项目针对特定区域：Morris County municipalities (recent builds in Summit, Rockaway Twp, Jefferson Twp, Randolph)。

Morris Habitat for Humanity Homeownership Program的申请通过Greater Middlesex & Morris 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。