So much of everything you will ever do and be is determined based on where you live. 这就是为什么在im体育ios接口发展联盟(HDA)， 我们相信，一个好的，质量好，负担得起的房子应该是每个人都可以得到的. It’s where you’ll grow. It’s where you’ll raise a family. 你将在那里度过大半生.
We’ve helped over 300 家庭实现了他们拥有新房子的梦想 Breathitt, 诺特, 莱斯利, 佩里 县 in East 肯塔基州. And we can help you, too! 人生的下一章就在前方的一个门口.
你选好楼层平面图，我们来做! 我们的专业建造者将建造您梦想的家园, 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! 如果你还没有地方建房子的话, 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.
Our goal is to build you a forever home. 这意味着它应该是一个你能负担得起的房子. All HDA homes are energy efficient (Energy Star Certified)，每年可以为你节省数百美元的水电费!
的 HDA im体育iosownership 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im体育ios接口状况, which can be anything from not being able to afford rent or a current monthly house payment, 有一个年久失修的房子, 想要一个木头房子而不是移动房屋的愿望, or the need for a home that allows for aging in place or for more safety due to a disability. 当然, 需要一个负担得起的房子的原因不仅限于这些例子, in some instances, none of these things apply. 有时，一个新的，负担得起的房子只是一个梦想.
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，我们有资金提供项目和服务 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im体育ios接口帮助，但住在我们的服务区外， 点击这里 了解我们在东肯塔基和附近各州的姐妹组织的信息.
Like most housing assistance programs, 我们的im体育ios接口拥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)计算该国每个地区的ami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45,600美元. 因为我们的服务区域包括一些全国最贫穷的县, 这是全国最低的AMI之一.
的 table below, provided by HUD，显示了肯塔基州佩里县不同家庭规模的收入中位数. (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 im体育iosownership 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). 这些计算帮助我们确定哪些是家庭负担得起的.
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 根据家庭规模来确定资格. 该地区的每个经济适用房项目都采用了这些要求. HDA帮助了各种规模和背景的家庭. 如果您有任何问题，请im体育ios!
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. 不过，我们想让你知道，你没必要这么想! 你的信息是保密的，最重要的是，我们是来帮助你的.
It’s important to note that 你的信用评级很重要，但这并不是决定成败的关键. 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im体育ios为您提供的服务. 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进行调整.
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. 如果您符合我们的计划，但您的信用/债务需要关注， 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. 每个家庭都需要付出汗水 并以他们力所能及的方式参与其中 – 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.
资格认证指南可以经常更改, when considering household size, income level, other unique situations, 我们更喜欢直接与家人交谈. If you're interested in HDA's im体育iosownership Program and have questions about qualifying, 请致电我们的im体育ios接口顾问 .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. 打电话的时候，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，信用卡支付)，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.