Lake-Geauga Habitat for Humanity Homeownership Program

Lake-Geauga Habitat for Humanity Homeownership Program是面向Eastlake，Ohio购房者的第一抵押贷款，由Lake-Geauga Habitat for Humanity管理。 Lake-Geauga Habitat for Humanity sells newly built or rehabbed homes in Lake and Geauga Counties to income-qualified buyers who partner with the affiliate. Instead of a cash down payment, buyers contribute 200-300 hours of sweat equity and purchase with an affordable Habitat mortgage. Average monthly payment (incl. taxes/insurance) is roughly $1,000-$1,500. Affordable Habitat purchase-money first mortgage. Sweat equity replaces down payment. Mandatory financial and homebuyer education. $500 deposit credited to mortgage. 资金来自Habitat affiliate (donations, recycled mortgage payments, ReStore proceeds, volunteer labor)。

Lake-Geauga Habitat for Humanity Homeownership Program是第一抵押贷款，按Lake-Geauga Habitat for Humanity设定的条款偿还。 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。

Lake-Geauga 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。 此处的“首次”有例外情况：Must be first-time homebuyer OR not have owned a home in the past three years. 关于信用，该项目说明：Minimum FICO 575 (alternative credit accepted if no score). Collections/judgments under $2,000 at application and resolved before purchase; bankruptcies discharged 3+ years; utilities current. 须参加购房者教育课程，由Lake-Geauga Habitat for Humanity提供。 居住要求：Must occupy a Habitat home in Lake or Geauga County. 公民身份或移民身份：U.S. citizen or lawful permanent resident。

Lake-Geauga 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 adult household income 45-80% of HUD AMI for Lake/Geauga by size (FY2026). 4p range $47,250-$84,000; 1p $33,100-$58,800; 7p $58,600-$104,200. 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7。 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。

Lake-Geauga Habitat for Humanity Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Lake-Geauga Habitat for Humanity Homeownership Program服务于在Eastlake，Ohio购房的购房者。

Lake-Geauga Habitat for Humanity Homeownership Program的申请通过Lake-Geauga Habitat for Humanity办理，该机构在其网站上公布现行条款和申请步骤。 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。