Sawmill Community Land Trust Homebuyer Program

Sawmill Community Land Trust Homebuyer Program是面向Albuquerque，New Mexico购房者的增值共享贷款，由Sawmill Community Land Trust管理。 Sawmill Community Land Trust (SCLT) is an Albuquerque 501(c)(3) community land trust that provides permanently affordable homes for low- to moderate-income, income-qualified first-time homebuyers who can secure a conventional mortgage. Down-payment assistance is available to income-qualified first-time buyers (or those who have not owned a home in the past three years) earning at or below 80% of the Albuquerque AMI. Buyers own their home and lease the land from the trust under a 99-year renewable ground lease; in exchange they agree to resale restrictions that keep the home affordable for future buyers. SCLT also provides HUD-certified homebuyer education, financial counseling, and post-purchase support. Down-payment assistance for income-qualified first-time buyers; access to permanently affordable, below-market homes; low monthly land-lease fee; HUD-certified homebuyer education, counseling, and post-purchase support. 资金来自Sawmill Community Land Trust; City of Albuquerque Affordable Homeownership Assistance (CDBG/HOME subrecipient funds) supports down-payment/mortgage-reduction assistance for SCLT buyers。

Sawmill Community Land Trust Homebuyer Program是增值共享贷款，按Sawmill Community Land Trust设定的条款偿还。 触发还款的情形：Resale of the home; resale price is restricted by the ground lease formula to preserve affordability for the next buyer。 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。

Sawmill Community Land Trust Homebuyer 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：Eligible if the applicant has not owned a home in the past three years。 须参加购房者教育课程，由Sawmill Community Land Trust (HUD-certified homebuyer education and financial counseling)提供。 Buyer must be income-qualified (<=80% AMI), a first-time homebuyer (or not have owned in past 3 years), occupy the home as a primary residence, secure a conventional first mortgage, and sign a 99-year renewable ground lease with resale restrictions. Exact dollar amount of down-payment assistance, interest rate, lien position, term, DTI, credit score, and fees are not published on the SCLT primary-source pages and were left blank rather than guessed; prospective buyers should contact SCLT for current terms. Down-payment/mortgage-reduction assistance for SCLT buyers is partly funded through the City of Albuquerque's Affordable Homeownership Assistance program (CDBG/HOME).

Sawmill Community Land Trust Homebuyer 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。 Combined household annual income at or below 80% of the Albuquerque Area Median Income (AMI). Published 80% AMI limits by household size: 1=$51,200; 2=$58,500; 3=$65,800; 4=$73,100; 5=$78,950; 6=$84,800; 7=$90,650; 8=$95,500. 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8。 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。

Sawmill Community Land Trust Homebuyer Program的房价上限如下：Homes are price-restricted/affordable homes sold within the community land trust (price set under the CLT model); not a fixed published cap. 符合条件的房屋类型包括Single Family、Condo和Townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Sawmill Community Land Trust Homebuyer Program服务于在Albuquerque，New Mexico购房的购房者。

Sawmill Community Land Trust Homebuyer Program的申请通过Sawmill Community Land Trust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Submit homebuyer application to SCLT; applications reviewed and qualified buyers contacted for next steps. Homes are sold as available within the land trust.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。