So much of everything you will ever do and be is determined based on where you live. 这就是为什么在365体育官方入口发展联盟(HDA)，. It’s where you’ll grow. It’s where you’ll raise a family. 你一生的大部分时间都会在那里度过.
We’ve helped over许多家庭实现了他们拥有新家的梦想 , , , 县 in East 肯塔基州. And we can help you, too! 你人生的下一章就在前方.
你选择你的楼层平面图，我们来工作! 我们专业的建筑商将为您建造梦想之家, using your choices in design, 地板, paint colors, light fixtures, 和更多的. Let’s build your dream home!
We’ll get you where you want to be! 如果你还没有一块地可以建房子, our Land Agent works with you to find the ideal spot for your new home in Breathitt, 诺特, 莱斯利, or 佩里 县.
的 HDA 买球365官方入口ownership Program is income-based, which means that we help low-income individuals and families achieve their dreams of homeownership. That means that the first thing we consider is the level of need and that the prospective homeowner has a demonstrated need for affordable housing. 然后, we must determine if the prospective homeowner is able and willing to pay an affordable mortgage.
Prospective HDA homeowners apply for homes through HDA because they are in need of better housing. 经常, 他们希望离开目前的365体育官方入口状况, which can be anything from not being able to afford rent or a current monthly house payment, 家中年久失修, 想要一个木制的房子而不是一个活动房屋的愿望, or the need for a home that allows for aging in place or for more safety due to a disability. 当然, 需要一套负担得起的房子的原因并不局限于这些例子, in some instances, none of these things apply. 有时，一个新的，负担得起的房子只是梦想.
Unfortunately, not every low-income person or family who reaches out to us will qualify for our program. That’s because our program is funded by state and federal programs that each have their own guidelines for qualifying that must be met. 我们试着, in every way possible, to work with each individual or family to help them qualify and meet the requirements.
HDA serves only the 县 of Breathitt, 诺特, 莱斯利, 佩里 in southeastern 肯塔基州. 偶尔，我们会有资金来提供课程和服务 弗洛伊德 县. 的 families we serve must either already live in one of these 县 or agree to live in a county we serve.
如果你需要365体育官方入口帮助，但住在我们的服务区以外， 点击这里 了解我们在东肯塔基州和附近各州的姐妹组织.
Like most housing assistance programs, 我们的365体育官方入口自有计划的资格是基于该地区的收入中位数, 或AMI. 的 AMI is the household income for the median, or the middle, household in a region. 每一年, HUD (the Department of Housing & 城市发展)计算了该国每个地区的AMIs计划我们的资格要求是基于他们的估计.
他们从四口之家的中等收入开始. 在我们地区，一个四口之家的AMI是45600美元. 因为我们的服务区域包括了这个国家的一些最贫穷的县, 这是全国最低的AMI之一.
的 table below, provided by HUD的数据显示了肯塔基州佩里县不同家庭规模的收入中值. (的 example given for 佩里 县 is the same or similar for all of the 县 we serve.) We determine whether a family is eligible for our 买球365官方入口ownership Program based on a comparison of their income to a percentage of the AMI. As you can see, families often fall into one of three categories: 1) Extremely-Low Income (earning less than 30% of AMI); 2) Very-Low Income (earning less than 50% of AMI); and 3) Low-Income (earning less than 80% of AMI). 这些计算可以帮助我们确定一个家庭的负担能力.
We help families of all sizes. Single folks can apply, too! We also support Equal Housing Opportunity.
的re are different income requirements for families based on size simply because family incomes differ by the number of people in a household. Again, we use HUD income requirements 根据家庭规模确定适格性. 该地区的每一个经济适用房项目都采用了这些要求. HDA已经帮助了各种大小和背景的家庭. 如果您有任何问题，请买球365官方入口!
不要让这个要求阻碍你! This topic alone creates a lot of fear – and in some cases, hesitancy and embarrassment. 但是，我们想让你知道，没有必要有这种感觉! 你的信息是保密的，最重要的是，我们是来帮忙的.
It’s important to note that 你的信用评级很重要，但它不是决定成败的条件. We’ve helped lots of individuals and families achieve homeownership through credit counseling and debt management. This is made available to you through Housing Counseling, which is a 免费的 通过我们的计划提供给你的服务. In fact, every family receives some form of Housing Counseling to get them ready for homeownership. 我们只是根据每个家庭的需要来调整.
Determining your debt load and credit history helps us determine the kind of home loan package we can negotiate for you and whether or not you are able to pay an affordable mortgage. 如果您有资格参加我们的项目，但您的信用/债务需要注意， we’ll get you where you need to be so that your financial situation does not prevent you from owning a home.
In addition to Housing Counseling, HDA homeowners contribute up to 100 hours of “sweat equity” in which they help to build their own home. 这些工作时间抵消了他们房屋的部分建设成本. 每个家庭都被要求贡献劳动权益 参加任何他们身体上能参加的活动 – from landscaping and painting to 地板 and roofing … and in many cases, all of these! Prior experience in construction work is not required as our professional construction crews are always present to guide the way.
资格准则可能经常改变, when considering household size, income level, other unique situations, 我们更喜欢直接和家人交谈. If you're interested in HDA's 买球365官方入口ownership Program and have questions about qualifying, 请致电我们的房屋顾问 .问题? Read the 常见问题.
We believe the simple fact of owning your own home has the power to change the future. While we can’t promise that owning your own home will open every door and solve all of life’s problems, we do believe that making a better life for yourself is easier if you have the strong foundation and financial stability a good, high-quality, affordable home provides.
Talk over the phone with our Housing Counselor to see if you qualify for our program. 当你打电话时，确保你手头有基本的财务和贷款信息. You’ll need: your mortgage statements, 包括二次按揭资料(如适用), monthly debt payments (e.g.，汽车或学生贷款，信用卡还款)，以及你的收入细节. If you qualify, you will begin Housing Counseling to prepare you for homeownership. If you are eligible but do not qualify, we will begin Credit Counseling with you to help you meet the requirements needed to qualify for our program.