Mesilla Valley Habitat for Humanity Homeownership Program

Mesilla Valley Habitat for Humanity Homeownership Program是面向Las Cruces，New Mexico购房者的第一抵押贷款，由Mesilla Valley Habitat for Humanity管理。 Mesilla Valley Habitat for Humanity offers hardworking families in Doña Ana County the chance to buy a simple, decent home sold at no profit with no interest charged. Selected partner families contribute 250 sweat-equity hours per adult (150 on the construction site, 75 in volunteer/ReStore work, 25 in financial coursework). Interest sessions run October-April and applications are accepted in May each year. No-interest (0%) mortgage. Home sold at no profit. Financial preparedness and life-management coursework. Sweat-equity model builds pride and skills. Affordable monthly payments based on income. 资金来自Mesilla Valley Habitat for Humanity (donations, ReStore proceeds, grants, City of Las Cruces funding to build affordable homes); volunteer-built homes。

Mesilla Valley Habitat for Humanity Homeownership Program是第一抵押贷款，按Mesilla Valley Habitat for Humanity设定的条款偿还。 触发还款的情形：Affordable no-interest mortgage repaid in monthly installments; homes are sold at no profit and with no interest charged. Specific resale/recapture lien terms not published on the primary source. 该援助以First (mortgage held by Mesilla Valley Habitat for Humanity)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。

Mesilla Valley 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; ability to pay assessed via income and existing debt analysis。 须参加购房者教育课程，由Mesilla Valley Habitat for Humanity (25 of the 250 sweat-equity hours per adult are coursework in Financial Preparedness & Life Management)提供。 居住要求：Must currently live in Doña Ana County。 Partner families must contribute 250 hours of sweat equity per adult (150 construction, 75 volunteer/ReStore, 25 coursework). Annual application window: interest session October-April; applications distributed the first business day of May and due the last business day of May. Specific income limits (AMI %), down-payment amount, mortgage term, and any resale/recapture lien terms were not published on the primary public pages.

Mesilla Valley Habitat for Humanity Homeownership Program的收入限制如下：Income requirements assessed against program criteria; specific AMI percentage and dollar limits are determined at application and not published on the public site. Program serves low-income families in need of decent, affordable housing. 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。

Mesilla Valley 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。

Mesilla Valley Habitat for Humanity Homeownership Program服务于在Las Cruces，New Mexico购房的购房者。

Mesilla Valley Habitat for Humanity Homeownership Program的申请通过Mesilla Valley Habitat for Humanity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Annual cycle: interest session October-April; applications distributed first business day of May and due the last business day of May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。