Habitat for Humanity of the Eastern Panhandle Homeownership Program

Habitat for Humanity of the Eastern Panhandle Homeownership Program是面向Martinsburg，West Virginia购房者的第一抵押贷款，由Habitat for Humanity of the Eastern Panhandle (Habitat EP)管理。 Habitat for Humanity of the Eastern Panhandle provides low-income families in Berkeley, Morgan, and Jefferson Counties a zero-interest mortgage amortized over 20 years (payments include insurance and property tax) on a Habitat-built home. Partner families must complete 500 hours of sweat equity before occupancy and live in substandard housing they cannot afford to replace through conventional financing. 0% interest mortgage. 20-year term. Payment includes taxes and insurance. Sweat equity replaces down payment. Ongoing budgeting/maintenance guidance. 资金来自Habitat for Humanity (nonprofit; donated funds, materials, volunteer labor)。

Habitat for Humanity of the Eastern Panhandle Homeownership Program是第一抵押贷款，按Habitat for Humanity of the Eastern Panhandle (Habitat EP)设定的条款偿还。 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 the Eastern Panhandle Homeownership Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Complete credit checks, references, tax reports, proof of income/expenses, and background checks required。 须参加购房者教育课程，由Homeowners education class (counted within sweat equity hours)提供。 居住要求：Must be a resident of Berkeley, Morgan, or Jefferson County。 First step is to call the Habitat EP office (304-263-3154). Specific dollar income limits and household-size table not published on the site; confirm current HUD-based figures with the affiliate.

Habitat for Humanity of the Eastern Panhandle Homeownership Program的收入限制如下：Low-income range based on HUD annual median family income for the Eastern Panhandle; all or part of income may be public assistance。 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 Eastern Panhandle 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 Eastern Panhandle Homeownership Program服务于在Martinsburg，West Virginia购房的购房者。

Habitat for Humanity of the Eastern Panhandle Homeownership Program的申请通过Habitat for Humanity of the Eastern Panhandle (Habitat EP)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。