Memorial HCA Team Member Home Purchase Assistance

Memorial HCA Team Member Home Purchase Assistance은(는) Savannah, Georgia 주택 구매자를 위한 탕감 가능 대출입니다. 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. 재원은 Memorial Health/HCA Healthcare employer-paid benefit administered through City of Savannah HNSD에서 나옵니다.

Memorial HCA Team Member Home Purchase Assistance은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: 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. 지원금은 2 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Memorial HCA Team Member Home Purchase Assistance의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: First-time homebuyer required (consistent with DreamMaker family of programs). 신용에 대해 프로그램은 다음과 같이 명시합니다: No published minimum FICO; lender underwriting required (Memorial team-member benefit). 주택 구매자 교육 이수가 필요하며, HUD-approved homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network).을(를) 통해 받습니다. 거주 요건: 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 Assistance은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. 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. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 프로그램에 명시된 최대 가구 규모는 8명입니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Memorial HCA Team Member Home Purchase Assistance의 구매 가격 상한은 다음과 같습니다: Capped by HUD HOME Homeownership Value Limits for Chatham County / Savannah MSA when stacked with DreamMaker; approximately $255,000. 대상 주택 유형: New and existing single-family houses in good condition that comply with program requirements 및 property must be located within Savannah city limits. 신축 주택도 대상입니다.

Memorial HCA Team Member Home Purchase Assistance은(는) 지원 대상 그룹으로 의료 종사자을(를) 명시합니다. 여기에 이름이 나온다는 것은 프로그램이 해당 그룹을 언급한다는 뜻이며, 그 그룹에 속한다는 것만으로 신청자가 자격을 갖춘다는 뜻은 아닙니다 — 나머지 자격 요건도 그대로 적용됩니다.

Memorial HCA Team Member Home Purchase Assistance은(는) Savannah, Georgia에서 주택을 구매하는 주택 구매자를 지원합니다.

Memorial HCA Team Member Home Purchase Assistance 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: 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 Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.