Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage

Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage是面向Chattanooga，Tennessee购房者的第一抵押贷款，由Habitat for Humanity of Greater Chattanooga Area管理。 Habitat for Humanity of Greater Chattanooga provides 0% interest mortgages on Habitat-built homes to income-qualified households who have been Hamilton County residents for at least 12 months. Buyers must complete 200-400 sweat equity hours and homebuyer education. Max $2,000 in collections/charge-offs/judgments allowed. PQQ is currently closed; prospective buyers can join the notification list. 0% interest mortgage. Homes priced below market. No minimum credit score. Sweat equity replaces down payment. 资金来自Habitat for Humanity of Greater Chattanooga Area / private fundraising。

Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage是第一抵押贷款，按Habitat for Humanity of Greater Chattanooga Area设定的条款偿还。 触发还款的情形：Sale, transfer, or failure to maintain owner-occupancy。 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。

Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage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：No home ownership in past 36 months。 关于信用，该项目说明：No published minimum credit score; max $2,000 in collections/charge-offs/judgments allowed。 须参加购房者教育课程，由Habitat for Humanity of Greater Chattanooga Area homebuyer education提供。 居住要求：Hamilton County resident for at least 12 months。

Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage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。 2026 income guidelines per HUD for Hamilton County; must meet Habitat income band; contact habichatt.org for current limits. 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 Greater Chattanooga Affordable Homeownership Mortgage的房价上限如下：Habitat-set pricing; below market value。 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。

Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage服务于在Chattanooga，Tennessee购房的购房者。 该项目针对特定区域：Hamilton County, Tennessee。

Habitat for Humanity of Greater Chattanooga Affordable Homeownership Mortgage的申请通过Habitat for Humanity of Greater Chattanooga Area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Pre-Qualification Questionnaire (PQQ) currently CLOSED; notification list available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。