Knoxville Area Habitat for Humanity Affordable Homeownership Mortgage

Knoxville Area Habitat for Humanity Affordable Homeownership Mortgage是面向Knoxville，Tennessee购房者的第一抵押贷款，由Knoxville Area Habitat for Humanity管理。 Knoxville Area Habitat for Humanity provides 0% interest, no-fee first mortgages on Habitat-built homes to households earning 50-80% AMI in Knox County. A second, silent, forgivable mortgage is layered to make the home affordable. Buyers must complete 300 sweat equity hours and homebuyer education. No minimum credit score required. 0% interest first mortgage. Silent forgivable second mortgage. No minimum credit score. No origination fees. 资金来自Knoxville Area Habitat for Humanity / private fundraising。

Knoxville Area Habitat for Humanity Affordable Homeownership Mortgage是第一抵押贷款，按Knoxville Area Habitat for Humanity设定的条款偿还。 触发还款的情形：Sale, transfer, or failure to maintain owner-occupancy; silent forgivable second also subject to retention terms。 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。

Knoxville Area Habitat for Humanity 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：No minimum credit score required; alternative credit considered。 须参加购房者教育课程，由Knoxville Area Habitat for Humanity homebuyer education program提供。 居住要求：Knox County, Tennessee。

Knoxville Area Habitat for Humanity 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。 50%-80% of Area Median Income (AMI) for Knox County. 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。

Knoxville Area Habitat for Humanity 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。

Knoxville Area Habitat for Humanity Affordable Homeownership Mortgage服务于在Knoxville，Tennessee购房的购房者。 该项目针对特定区域：Knox County, Tennessee; currently active in Strawberry Plains community。

Knoxville Area Habitat for Humanity Affordable Homeownership Mortgage的申请通过Knoxville Area Habitat for Humanity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Open application cycle; currently building in Strawberry Plains community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。