SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)是面向Providence，Rhode Island购房者的增值共享贷款，由SWAP Inc. (Stop Wasting Abandoned Property) / SWAP CLT管理。 SWAP, Inc. is a Providence nonprofit community development corporation (founded 1975) that develops and builds entry-level homes for sale to low- and moderate-income first-time buyers, with affordability preserved through its SWAP Community Land Trust. Its 'Build a Buyer' program consolidates SWAP's financial literacy and homebuyer-counseling services, pairing a HUD-approved 8-hour homebuyer education course with one-on-one credit/financial coaching (the Individual Workout Program) to move clients from renters to successful homeowners. SWAP is a HUD-approved housing counseling agency. Below-market entry-level homes for sale. Permanently affordable homeownership via SWAP CLT. HUD-approved 8-hour homebuyer education. One-on-one financial/credit coaching (Individual Workout Program). Landlord/tenant education for multi-family buyers. 资金来自SWAP Inc. / SWAP CLT (nonprofit CDC), bank loans and limited government subsidy。

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)是增值共享贷款，按SWAP Inc. (Stop Wasting Abandoned Property) / SWAP CLT设定的条款偿还。 触发还款的情形：For CLT homes, resale is governed by the SWAP CLT ground lease, which restricts the resale price to keep the home affordable for the next income-qualified 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。

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Not published; buyers receive credit counseling through SWAP's Individual Workout Program and must qualify for a mortgage. 须参加购房者教育课程，由SWAP 4-week homebuyer education course (HUD-approved, 8 hours); SWAP Individual Workout (IWO) one-on-one credit/financial coaching; SWAP Landlord/Tenant 3-hour course for multi-family buyers. Register at (401) 272-0526.提供。 This is a nonprofit affordable-homeownership / Community Land Trust program plus HUD-approved homebuyer counseling, NOT a cash down payment assistance grant or loan. Completion of SWAP's homebuyer education is part of the path to purchase.

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)的收入限制如下：Restricted to persons of low and moderate income (per SWAP's mission); specific income limits/AMI percentage are not published on the official site and vary by development and funding source. 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。

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)的房价上限如下：Entry-level / below-market homes; price reduced for CLT homes because the SWAP CLT retains the land. Specific prices not published online. 符合条件的房屋类型包括Single Family、Condo和2-4 Unit。 新建房屋符合条件。 预制房屋不符合条件。

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)服务于在Providence，Rhode Island购房的购房者。

SWAP Inc. Community Land Trust Affordable Homeownership (Build a Buyer)的申请通过SWAP Inc. (Stop Wasting Abandoned Property) / SWAP CLT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Contact SWAP at (401) 272-0526; intake system gathers a financial baseline for each prospective buyer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。