Central Oklahoma Habitat for Humanity Affordable Homeownership Program

Central Oklahoma Habitat for Humanity Affordable Homeownership Program是面向Oklahoma City，Oklahoma购房者的第一抵押贷款，由Central Oklahoma Habitat for Humanity (COHFH)管理。 Central Oklahoma Habitat for Humanity builds energy-efficient, affordable homes for limited-income families in the OKC metro and sells them at cost with a 0% interest or below-market affordable mortgage. There is no traditional down payment; instead homebuyers contribute sweat equity hours, complete financial and homeownership education, and make affordable monthly mortgage payments. Income must be between a minimum of $49,000 and a maximum based on household size up to 80% AMI. Credit score must be 600+. No down payment. 0% or below-market interest rate mortgage. Homes sold at cost (~$165,000). Energy-efficient new construction. Financial literacy education. 资金来自Charitable donations, volunteer labor, corporate sponsors, ReStore proceeds。

Central Oklahoma Habitat for Humanity Affordable Homeownership Program是第一抵押贷款，按Central Oklahoma Habitat for Humanity (COHFH)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。

Central Oklahoma Habitat for Humanity Affordable 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：Credit scores must be above 600; at least one year of stable rent and utility payments and one year of stable work history required。 须参加购房者教育课程，由Habitat Homeownership College and workshops administered by COHFH提供。 居住要求：Must be willing to live in neighborhoods where COHFH is building (OKC metro; Cornerstone Creek NW OKC)。

Central Oklahoma Habitat for Humanity Affordable 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。 Maximum household income: 1-person $82,080; 2 $93,840; 3 $105,600; 4 $117,240; 5 $126,720; 6 $136,080; 7 $145,450; 8 $154,800. Minimum combined household income at least $49,000. 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。

Central Oklahoma Habitat for Humanity Affordable Homeownership Program将房价上限设为$165,000。 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。

Central Oklahoma Habitat for Humanity Affordable Homeownership Program服务于在Oklahoma City，Oklahoma购房的购房者。 该项目针对特定区域：Oklahoma City metro and 18 surrounding communities. Active build at Cornerstone Creek (N. Morgan Rd & 150th St, NW OKC).

Central Oklahoma Habitat for Humanity Affordable Homeownership Program的申请通过Central Oklahoma Habitat for Humanity (COHFH)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-based; rolling intake; PDF or digital application submitted to COHFH office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。