Memorial HCA Team Member Home Purchase Assistance

Memorial HCA Team Member Home Purchase Assistance é um empréstimo perdoável para compradores de imóveis em 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. Os recursos vêm de Memorial Health/HCA Healthcare employer-paid benefit administered through City of Savannah HNSD.

Memorial HCA Team Member Home Purchase Assistance é perdoado após 5 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por 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. A ajuda é registrada como ônus em posição 2. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Memorial HCA Team Member Home Purchase Assistance é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: First-time homebuyer required (consistent with DreamMaker family of programs). Sobre crédito, o programa afirma: No published minimum FICO; lender underwriting required (Memorial team-member benefit). É exigido um curso de educação para compradores de imóveis, por meio de HUD-approved homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network). Requisito de residência: 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 limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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. O limite vale para a renda total da família, não só a do mutuário. O programa indica um tamanho máximo de família de 8. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Memorial HCA Team Member Home Purchase Assistance limita o preço de compra assim: Capped by HUD HOME Homeownership Value Limits for Chatham County / Savannah MSA when stacked with DreamMaker; approximately $255,000. Os tipos de imóvel elegíveis incluem New and existing single-family houses in good condition that comply with program requirements e property must be located within Savannah city limits. Construções novas são elegíveis.

Memorial HCA Team Member Home Purchase Assistance cita profissionais de saúde entre os grupos que atende. Aparecer aqui significa que o programa menciona o grupo, não que fazer parte dele, por si só, qualifique um candidato — as demais regras de elegibilidade continuam valendo.

Memorial HCA Team Member Home Purchase Assistance atende compradores de imóveis que compram em Savannah, Georgia.

As inscrições para Memorial HCA Team Member Home Purchase Assistance são feitas por meio de o órgão que administra o programa, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio 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. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.