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

St. Joseph's/Candler Team Member Home Purchase Assistance es un préstamo condonable para compradores de vivienda en 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. Los fondos provienen de St. Joseph's/Candler health system employer-paid benefit administered through City of Savannah HNSD.

St. Joseph's/Candler Team Member Home Purchase Assistance ofrece hasta $7,500 de ayuda. Aporte del comprador de vivienda: No published minimum buyer contribution; combination with DreamMaker may impose $1,000. El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

St. Joseph's/Candler Team Member Home Purchase Assistance se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por 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. La ayuda se registra con un gravamen en posición 2. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

St. Joseph's/Candler Team Member Home Purchase Assistance está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: First-time homebuyer required (consistent with DreamMaker family of programs). Sobre el crédito, el programa indica: No published minimum FICO; lender underwriting required (St. Joseph's/Candler team-member benefit). Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network). Requisito de residencia: 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.

St. Joseph's/Candler Team Member Home Purchase Assistance limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 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. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

St. Joseph's/Candler Team Member Home Purchase Assistance limita el precio de compra así: Capped by HUD HOME Homeownership Value Limits for Chatham County / Savannah MSA when stacked with DreamMaker; approximately $255,000. Los tipos de propiedad elegibles incluyen New and existing single-family houses in good condition that comply with program requirements y property must be located within Savannah city limits. La construcción nueva es elegible.

St. Joseph's/Candler Team Member Home Purchase Assistance menciona a trabajadores de la salud entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

St. Joseph's/Candler Team Member Home Purchase Assistance atiende a compradores de vivienda que compran en Savannah, Georgia.

Las solicitudes de St. Joseph's/Candler Team Member Home Purchase Assistance se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de 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 no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.