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Saint Joseph's Carpenter Society Affordable Homebuyer Program

Saint Joseph's Carpenter Society (SJCS) · Camden, New Jersey

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What is Saint Joseph's Carpenter Society Affordable Homebuyer Program?

Saint Joseph's Carpenter Society Affordable Homebuyer Program is down payment assistance for homebuyers in Camden, New Jersey, administered by Saint Joseph's Carpenter Society (SJCS).

  • Saint Joseph's Carpenter Society (SJCS) buys abandoned and deteriorated properties in Camden and surrounding communities, rehabilitates them through new construction and gut rehabilitation, and sells them at below-market prices to income-eligible first-time homebuyers. SJCS is a HUD-approved housing counseling agency and a NeighborWorks America affiliate. The program includes a mandatory 4-week Homebuyer's Academy offered in English and Spanish, both in-person and virtually via eHome America. After completing the Academy, buyers receive one-on-one counseling and are guided through obtaining a first mortgage and available first-time homebuyer grants.
  • Below-market purchase price on rehabilitated single-family homes in Camden and surrounding communities. HUD-certified homebuyer education and one-on-one counseling. Counselor guides buyers to available first-time homebuyer grants and mortgage programs.

Do you have to pay it back?

Saint Joseph's Carpenter Society Affordable Homebuyer Program is down payment assistance and is repaid under the terms set by Saint Joseph's Carpenter Society (SJCS).

  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Saint Joseph's Carpenter Society Affordable Homebuyer Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through SJCS Homebuyer's Academy (in-person, English and Spanish); eHome America (online option)
  • Must complete Homebuyer's Academy (8-session, 4-week series) and one-on-one HUD-certified counseling before purchase. Application fee: $60 individual / $90 couple (credit check + course materials, paid by money order). Homes offered primarily in East Camden and Cramer Hill neighborhoods. Income limits not stated on official website — contact SJCS for current limits. Purchase price, loan term, and terms vary by property (unconfirmed).

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What kind of home can it be used for?

Saint Joseph's Carpenter Society Affordable Homebuyer Program can be used for single_family.

  • New construction is eligible.

Where does it apply?

Saint Joseph's Carpenter Society Affordable Homebuyer Program serves buyers purchasing in Camden, New Jersey.

How do you apply?

Applications for Saint Joseph's Carpenter Society Affordable Homebuyer Program go through Saint Joseph's Carpenter Society (SJCS), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through SJCS Homebuyer's Academy (in-person, English and Spanish); eHome America (online option).

  2. Contact Saint Joseph's Carpenter Society (SJCS) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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