Habitat for Humanity of Greater Memphis Affordable Homeownership Mortgage

Habitat for Humanity of Greater Memphis Affordable Homeownership Mortgage是面向Memphis，Tennessee购房者的第一抵押贷款，由Habitat for Humanity of Greater Memphis管理。 Habitat for Humanity of Greater Memphis provides 0% interest 30-year fixed mortgages on Habitat-built homes to households earning less than 80% AMI in Shelby County. Buyers contribute $2,000 toward closing costs and complete 250-300 sweat equity partnership hours. Income guidelines updated annually per HUD. Info sessions required before application. 0% interest 30-year fixed mortgage. Homes priced below market. $2,000 closing cost contribution (payable in increments). No PMI. 资金来自Habitat for Humanity of Greater Memphis / private fundraising。

Habitat for Humanity of Greater Memphis Affordable Homeownership Mortgage是第一抵押贷款，按Habitat for Humanity of Greater Memphis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 Memphis 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 last 3 years。 关于信用，该项目说明：Fair or passable credit required; no judgments or liens; no Chapter 13 bankruptcy in last 12 months; no Chapter 7 bankruptcy in last 2 years。 须参加购房者教育课程，由Memphis Habitat multi-week Homebuyer Education Course (100 of required partnership hours)提供。 居住要求：Shelby County, Tennessee。

Habitat for Humanity of Greater Memphis 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。 Must earn less than 80% AMI for Shelby County. 2026 income guidelines (gross annual): 1-person $33,500-$51,950; 2-person $33,500-$59,350; 3-person $33,500-$66,750; 4-person $35,000-$74,150; 5-person $36,000-$80,100; 6-person $36,000-$86,050; 7-person $36,000-$91,950; 8-person $36,000-$97,900. Minimum income also applies. Guidelines updated annually per HUD. 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。

Habitat for Humanity of Greater Memphis Affordable Homeownership Mortgage的房价上限如下：Habitat-set pricing; 30-year fixed rate mortgage。 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 Memphis Affordable Homeownership Mortgage服务于在Memphis，Tennessee购房的购房者。 该项目针对特定区域：Shelby County (Memphis area), Tennessee。

Habitat for Humanity of Greater Memphis Affordable Homeownership Mortgage的申请通过Habitat for Humanity of Greater Memphis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Info sessions required prior to application; sessions scheduled periodically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。