Santa Fe Habitat for Humanity Homeownership Program

Santa Fe Habitat for Humanity Homeownership Program是面向Santa Fe，New Mexico购房者的第一抵押贷款，由Santa Fe Habitat for Humanity管理。 Santa Fe Habitat for Humanity selects income-qualified partner families in Santa Fe County to buy a home they help build, financed with a typically 30-year 0% interest mortgage and a $1,300 down payment. Income must fall within published minimum and maximum limits by family size, and applicants must hold no more than $20,000 in assets. Selected families complete 350-500 sweat-equity hours. 30-year 0% interest mortgage. Low $1,300 down payment. Payments based on income at closing. Homebuyer education and an assigned advocate. Builds equity and long-term stability. 资金来自Santa Fe Habitat for Humanity (donations, ReStore proceeds, grants, City of Santa Fe general-fund contract); volunteer-built homes。

Santa Fe Habitat for Humanity Homeownership Program是第一抵押贷款，按Santa Fe Habitat for Humanity设定的条款偿还。 触发还款的情形：30-year 0% mortgage repaid in monthly installments based on income at closing; an affordability/recapture lien may apply on resale. Specific recapture terms not published on the primary source. 该援助以First (mortgage held by Santa Fe 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。

Santa Fe 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; a credit report is obtained and ability to pay is assessed during financial review。 须参加购房者教育课程，由Santa Fe Habitat for Humanity (homebuyer education as part of the partner-family process)提供。 居住要求：Must have lived or worked in Santa Fe County for at least one full year at the time of application。 公民身份或移民身份：U.S. citizenship not required, but at least one applicant must be a lawful permanent resident。 Applicant must hold no more than $20,000 in assets at time of application. Sweat equity of 350-500 hours required (family members signing the mortgage must complete 168-240 of those hours; the remainder may be done by other family/friends). Application window opens periodically (not always open); process can take up to three months plus ~15 months to build. At least one applicant must be a lawful permanent resident. Specific recapture/affordability lien terms not published on the primary source.

Santa Fe Habitat for Humanity Homeownership Program将家庭收入限制在$79,600。 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为6。 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。

Santa Fe 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。

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

Santa Fe Habitat for Humanity Homeownership Program的申请通过Santa Fe 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Application window opens periodically; applicants make an inquiry by phone or in person and are contacted when the window opens. Process can take up to three months; home build adds ~15 months.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。