Habitat for Humanity of the Lehigh Valley Homeownership Program

Habitat for Humanity of the Lehigh Valley Homeownership Program是面向Allentown; Bethlehem; Easton，Pennsylvania购房者的第一抵押贷款，由Habitat for Humanity of the Lehigh Valley管理。 Habitat for Humanity of the Lehigh Valley provides affordable homeownership in Allentown, Bethlehem, and Easton through 0% interest mortgages with monthly payments capped at 30% of gross income. Eligible families (35-80% AMI) must contribute at least 250 sweat-equity hours and complete homeownership and budgeting classes, and must have lived or worked in the Lehigh Valley for at least one year. 0% interest mortgage. Monthly payment capped at 30% of income. 20-30 year term. Homeownership and budgeting education. 资金来自Habitat affiliate; private donations; sweat-equity model。

Habitat for Humanity of the Lehigh Valley Homeownership Program是第一抵押贷款，按Habitat for Humanity of the Lehigh Valley设定的条款偿还。 触发还款的情形：Sale or transfer of property; 20-30 year mortgage terms。 该援助以1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。

Habitat for Humanity of the Lehigh Valley 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 not currently own or have owned a home within the last 3 years。 关于信用，该项目说明：Credit scores above 600 required。 须参加购房者教育课程，由Habitat homeownership and budgeting classes (sweat equity partnership)提供。 居住要求：Must be employed in or a resident of the Lehigh Valley for at least one year。 公民身份或移民身份：Standard Habitat affiliate requirements apply。 250 sweat-equity hours; must demonstrate housing need; monthly debt under 43% of income; housing payment under 30% of income.

Habitat for Humanity of the Lehigh Valley 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。 Between 35% and 80% AMI (Lehigh Valley, 2025). Min/Max: 1p $24,550/$56,150; 2p $28,050/$64,150; 3p $31,550/$72,150; 4p $35,050/$80,150; 5p $37,900/$86,600; 6p $40,700/$93,000; 7p $43,500/$99,400; 8p $46,300/$105,800. 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。

Habitat for Humanity of the Lehigh Valley Homeownership Program可用于Single Family。 新建房屋符合条件。 预制房屋不符合条件。

Habitat for Humanity of the Lehigh Valley Homeownership Program服务于在Allentown; Bethlehem; Easton，Pennsylvania购房的购房者。 该项目针对特定区域：Allentown, Bethlehem, Easton (Lehigh and Northampton Counties)。

Habitat for Humanity of the Lehigh Valley Homeownership Program的申请通过Habitat for Humanity of the Lehigh Valley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。