Habitat for Humanity of Taos Homeownership Program

Habitat for Humanity of Taos Homeownership Program是面向Taos，New Mexico购房者的第一抵押贷款，由Habitat for Humanity of Taos管理。 Habitat for Humanity of Taos provides homeownership opportunities to low-income families and individuals in Taos County by building affordable homes that the partner family purchases with an affordable, no-profit Habitat mortgage. Selected partner families contribute sweat equity, attend monthly homeowner meetings, and pay a down payment and monthly mortgage. The affiliate has built roughly 39-40 homes and runs periodic application cycles (the current cycle is open through May 31, 2026, with the next partner family selected June 30, 2026). Affordable no-profit Habitat mortgage. Sweat-equity path to ownership. Homebuyer education and monthly homeowner meetings. Newly built affordable home. 资金来自Habitat for Humanity of Taos donations, ReStore proceeds, grants (including Taos Community Foundation), and homeowner mortgage payments。

Habitat for Humanity of Taos Homeownership Program是第一抵押贷款，按Habitat for Humanity of Taos设定的条款偿还。 触发还款的情形：Monthly mortgage payments on the affordable Habitat mortgage; sale/transfer terms governed by the Habitat mortgage and any affiliate right of first refusal (specific terms not published online). 该援助以First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 Taos 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 numeric minimum published; requires 'decent and responsible credit,' bankruptcy fully discharged for at least one year, and no court-ordered debt. 须参加购房者教育课程，由Habitat for Humanity of Taos (monthly homeowner meetings, homeowner education)提供。 居住要求：Applicants must live and work in Taos County for at least one year. Selection requires demonstrated housing need; ability to pay a down payment and monthly mortgage; willingness to partner with Habitat (sweat equity, monthly homeowner meetings); decent/responsible credit with bankruptcy discharged at least one year and no court-ordered debt; live and work in Taos County for at least one year; all household members 18+ pass a criminal background check; income at or below 60% of Taos County HUD median. Application cycle open through May 31, 2026.

Habitat for Humanity of Taos 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 cannot exceed 60% of Taos County median family income as established annually by HUD. Specific dollar limits by household size are not published on the affiliate website. 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 Taos Homeownership Program的房价上限如下：Not applicable; home is built and sold by the affiliate at no profit. 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

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

Habitat for Humanity of Taos Homeownership Program的申请通过Habitat for Humanity of Taos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Open application cycle with selection by the affiliate Family Selection Committee; current cycle open through May 31, 2026, selection June 30, 2026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。