Tres Rios Habitat for Humanity Homeownership Program

Tres Rios Habitat for Humanity Homeownership Program是面向Farmington，New Mexico购房者的第一抵押贷款，由Tres Rios Habitat for Humanity管理。 Tres Rios Habitat for Humanity partners with qualifying low-income families in San Juan County to build safe, energy-efficient homes that the family then purchases through an affordable, no-profit, zero-interest mortgage held by the affiliate. Homebuyers complete 200 hours of sweat equity per adult, attend homeowner education classes, and make a $500 down payment. The model substitutes sweat equity and a 0% mortgage for conventional down payment and financing, making homeownership attainable for households at or below 80% of area median income. Zero-interest (0%) no-profit mortgage. Low $500 down payment. Sweat-equity substitutes for cash down payment. Homebuyer education and budgeting classes. Newly built energy-efficient home. Accessibility-designed homes available. 资金来自Habitat for Humanity affiliate donations, ReStore proceeds, grants, and homeowner mortgage payments。

Tres Rios Habitat for Humanity Homeownership Program是第一抵押贷款，按Tres Rios Habitat for Humanity设定的条款偿还。 触发还款的情形：Monthly mortgage payments per the affordable, no-interest Habitat mortgage; sale/transfer typically triggers affiliate right of first refusal or recapture per Habitat mortgage documents (specific resale 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。

Tres Rios Habitat for Humanity 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 published minimum credit score; affiliate performs a credit check and reviews credit references as part of the selection process. 须参加购房者教育课程，由Tres Rios Habitat for Humanity (budgeting, home repair, maintenance programs; homeowner meetings)提供。 居住要求：Must have lived in San Juan County for at least one year. Applicant must demonstrate inadequate current housing; must have lived in San Juan County for one year; income at or below 80% AMI ($52,100 for a family of four); $500 down payment; 200 sweat-equity hours per adult over six months; participation in budgeting/home-maintenance programs; credit check and income/employment verification.

Tres Rios 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。 Total family income must not exceed 80% of San Juan County area median income; stated as not exceeding $52,100 for a family of four per the affiliate (2025-2026). Limits for other household sizes scale with HUD AMI but are not individually published. 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。

Tres Rios Habitat for Humanity 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。

Tres Rios Habitat for Humanity Homeownership Program服务于在Farmington，New Mexico购房的购房者。

Tres Rios Habitat for Humanity Homeownership Program的申请通过Tres Rios 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Initial application / family selection cycle; selection by affiliate Family Selection Committee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。