Memorial HCA Team Member Home Purchase Assistance

Memorial HCA Team Member Home Purchase Assistance est un prêt annulable pour les futurs propriétaires de Savannah, Georgia. The Memorial HCA Team Member Home Purchase Assistance Program is a 0% interest, 5-year forgivable second-lien loan of $5,000 administered by the City of Savannah Housing & Neighborhood Services Department in partnership with Memorial Health (HCA Healthcare Memorial Savannah). Restricted to Memorial HCA Healthcare 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 a Memorial employee and an owner-occupant for 5 years. Stackable with DreamMaker funds. Property must pass private inspection and City Construction Specialist inspection. $5,000, 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 (Memorial HCA Healthcare) and continues to be the owner-occupant of the house for 5 years from the date of the loan. Le financement provient de Memorial Health/HCA Healthcare employer-paid benefit administered through City of Savannah HNSD.

Memorial HCA Team Member Home Purchase Assistance est annulé après 5 ans : un futur propriétaire qui reste aussi longtemps n’a rien à rembourser. Le remboursement est déclenché par Within the 5-year affordability period: cessation of Memorial HCA Healthcare 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 a Memorial team member and the owner-occupant. L’aide est inscrite au rang suivant : 2. Les conditions d’annulation et de remboursement sont fixées par le programme et peuvent changer — vérifiez-les sur la page officielle du programme avant de déposer une demande.

Memorial HCA Team Member Home Purchase Assistance est ouvert à les primo-accédants et les futurs propriétaires qui occuperont le logement comme résidence principale. « Primo-accédant » comporte ici des exceptions : First-time homebuyer required (consistent with DreamMaker family of programs). Au sujet du crédit, le programme précise : No published minimum FICO; lender underwriting required (Memorial team-member benefit). Un cours pour futurs propriétaires est obligatoire, auprès de HUD-approved homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network). Condition de résidence : Property must be located within City of Savannah city limits. RESTRICTED EMPLOYER: only Memorial HCA Healthcare 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.

Memorial HCA Team Member Home Purchase Assistance plafonne le revenu du ménage à 80 % du revenu médian de la zone, qui varie selon le comté et la taille du ménage. 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. Le plafond s’applique au revenu total du ménage, pas seulement à celui de l’emprunteur. Le programme indique une taille de ménage maximale de 8. Les chiffres du revenu médian de la zone sont publiés par HUD et mis à jour chaque année : consultez le tableau en vigueur pour le comté avant de vous fier à un chiffre.

Memorial HCA Team Member Home Purchase Assistance plafonne le prix d’achat ainsi : Capped by HUD HOME Homeownership Value Limits for Chatham County / Savannah MSA when stacked with DreamMaker; approximately $255,000. Les types de logements admissibles comprennent New and existing single-family houses in good condition that comply with program requirements et property must be located within Savannah city limits. Les constructions neuves sont admissibles.

Memorial HCA Team Member Home Purchase Assistance cite le personnel de santé parmi les groupes qu’il sert. Être cité ici signifie que le programme mentionne ce groupe, et non que l’appartenance à ce groupe suffit à rendre un demandeur admissible — les autres règles d’admissibilité s’appliquent toujours.

Memorial HCA Team Member Home Purchase Assistance s’adresse aux futurs propriétaires qui achètent à Savannah, Georgia.

Les demandes pour Memorial HCA Team Member Home Purchase Assistance passent par l’organisme gestionnaire, qui publie les conditions en vigueur et les étapes de la demande sur son propre site. Les fonds sont réservés par l’intermédiaire 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 n’est pas un prêteur et n’accepte pas de demandes ; cette page décrit le programme pour qu’un futur propriétaire puisse en parler à un prêteur ou à un conseiller en logement.