Greater Albuquerque Habitat for Humanity Homeownership Program

Greater Albuquerque Habitat for Humanity Homeownership Program是面向Albuquerque，New Mexico购房者的第一抵押贷款，由Greater Albuquerque Habitat for Humanity (GAHH)管理。 Greater Albuquerque Habitat for Humanity builds affordable, energy-efficient entry-level homes for income-qualified first-time homebuyers in Bernalillo and South Sandoval counties and sells them with an interest-free (0%) mortgage and a low down payment. Selected families contribute 350 hours of sweat equity and complete homebuyer education. Income must be between 50% and 80% of Bernalillo County AMI. 0% interest mortgage. Low down payment (approx. $2,500 in savings). Newly built, energy-efficient home. Homebuyer education and guidance. Support throughout the homebuying process. Builds equity and long-term financial stability. 资金来自Greater Albuquerque Habitat for Humanity (donations, ReStore proceeds, grants); homes built with volunteer labor。

Greater Albuquerque Habitat for Humanity Homeownership Program是第一抵押贷款，按Greater Albuquerque Habitat for Humanity (GAHH)设定的条款偿还。 触发还款的情形：Monthly mortgage payments over the life of the loan; an affordability/resale subordinate lien (silent second representing the subsidy) may be recaptured if the home is sold during the affordability period. Specific recapture terms not published on the primary source. 该援助以First (affordable mortgage held by GAHH); subsidy may be a subordinate silent lien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。

Greater Albuquerque 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。 “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。 关于信用，该项目说明：No published minimum credit score, but an acceptable credit history is required; all collections and judgments must be paid in full。 须参加购房者教育课程，由Greater Albuquerque Habitat for Humanity homebuyer education classes (count toward sweat-equity hours)提供。 居住要求：Must have lived or worked in Bernalillo and/or South Sandoval County for the past 12 months; must be willing to live in the neighborhood where Habitat is currently building。 公民身份或移民身份：All household members must be U.S. citizens or permanent residents。 Application cycle was PAUSED as of June 2026 (interest list open; GAHH states preparations are underway to reopen soon) - it is a recurring standing program, not discontinued. Requires 350 hours of sweat equity (building your home and others' homes plus homebuyer education). Every household member over 18 must consent to a background and sex-offender check; all applicants and co-applicants must consent to a credit check. Deferred student loans counted at 0.5% of balance per month. Exact dollar income limits and any resale/recapture lien terms were not published on the primary public pages.

Greater Albuquerque Habitat for Humanity 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。 Gross annual household income must be between 50% and 80% of the Area Median Income (AMI) for Bernalillo County; updated annually based on HUD figures and household size. Exact dollar limits are published on GAHH's Income Criteria page (year-dependent). 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。

Greater Albuquerque Habitat for Humanity Homeownership Program可用于Single-family detached (newly built Habitat home)。 新建房屋符合条件。 预制房屋不符合条件。

Greater Albuquerque Habitat for Humanity Homeownership Program服务于在Albuquerque，New Mexico购房的购房者。

Greater Albuquerque Habitat for Humanity Homeownership Program的申请通过Greater Albuquerque Habitat for Humanity (GAHH)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Inquiry list; applicants notified by email when the application cycle opens, then request an application packet by mail预留。 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。