St. Joseph's/Candler Team Member Home Purchase Assistance

St. Joseph's/Candler Team Member Home Purchase Assistance هو قرض قابل للإعفاء لمشتري المنازل في Savannah، Georgia. The St. Joseph's/Candler Team Member Home Purchase Assistance Program is a 0% interest, 5-year forgivable second-lien loan of $7,500 administered by the City of Savannah Housing & Neighborhood Services Department in partnership with St. Joseph's/Candler health system. Restricted to SJ/C team members at or below Team Leader level, in good standing, who are first-time homebuyers purchasing within Savannah city limits. The loan is forgiven if the buyer remains an SJ/C employee and an owner-occupant for 5 years. Stackable with DreamMaker funds. Property must pass private inspection and City Construction Specialist inspection. $7,500, 0% interest, forgivable loan toward down payment and closing costs. Loan is forgiven and not repaid if the buyer continues to work for the employer (St. Joseph's/Candler health system) and continues to be the owner-occupant of the house for 5 years from the date of the loan. يأتي التمويل من St. Joseph's/Candler health system employer-paid benefit administered through City of Savannah HNSD.

يقدم St. Joseph's/Candler Team Member Home Purchase Assistance مساعدة تصل إلى $7,500. مساهمة مشتري المنزل: No published minimum buyer contribution; combination with DreamMaker may impose $1,000. يمكن الجمع بين البرنامج ومساعدات أخرى، وفقًا لقواعد كل منها. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ الجهة المسؤولة عن إدارة البرنامج هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من St. Joseph's/Candler Team Member Home Purchase Assistance بعد 5 سنوات، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Within the 5-year affordability period: cessation of St. Joseph's/Candler employment, sale or transfer of title, refinance with cash-out, or failure to occupy as primary residence triggers repayment of the unforgiven balance. Loan is fully forgiven on the 5th anniversary if the buyer remains an SJ/C team member and the owner-occupant. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

St. Joseph's/Candler Team Member Home Purchase Assistance مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time homebuyer required (consistent with DreamMaker family of programs). بشأن الائتمان، ينص البرنامج على: No published minimum FICO; lender underwriting required (St. Joseph's/Candler team-member benefit). يلزم إكمال دورة لمشتري المنازل، عبر HUD-approved homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network). شرط الإقامة: Property must be located within City of Savannah city limits. RESTRICTED EMPLOYER: only St. Joseph's/Candler health-system team members (employees) may apply. Buyer must be at or below Team Leader level and in good standing without recent disciplinary actions at time of purchase. Household income restrictions apply. Property must be located within City of Savannah city limits and cannot be occupied at time of application unless occupant is buyer or seller. Pre-1978 homes cannot have defective paint at inspection. Private inspection required; City of Savannah Construction Specialist inspection required prior to issuance of funding commitment letter; required repairs must be completed by seller and confirmed by City staff before commitment letter issued. Assistance can be used in combination with DreamMaker assistance if buyer is also DreamMaker-eligible.

يحدد St. Joseph's/Candler Team Member Home Purchase Assistance دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Household income restrictions apply per City of Savannah HOME-program standards (80% AMI for Savannah MSA, FY2025): 1p $55,800; 2p $63,800; 3p $71,750; 4p $79,700; 5p $86,100; 6p $92,500; 7p $98,850; 8p $105,250. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع St. Joseph's/Candler Team Member Home Purchase Assistance حدًا لسعر الشراء على النحو التالي: Capped by HUD HOME Homeownership Value Limits for Chatham County / Savannah MSA when stacked with DreamMaker; approximately $255,000. تشمل أنواع العقارات المؤهلة New and existing single-family houses in good condition that comply with program requirements وproperty must be located within Savannah city limits. المنازل حديثة البناء مؤهلة.

يذكر St. Joseph's/Candler Team Member Home Purchase Assistance العاملين في الرعاية الصحية ضمن الفئات التي يخدمها. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم St. Joseph's/Candler Team Member Home Purchase Assistance مشتري المنازل الذين يشترون في Savannah، Georgia.

تُقدَّم طلبات St. Joseph's/Candler Team Member Home Purchase Assistance عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Team member contacts HNSD at (912) 651-2169 or employeedownpayment@savannahga.gov to schedule appointment, then completes application; ongoing year-round subject to fund availability. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.