Peach Advantage Loan Program

Ang Peach Advantage Loan Program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Statewide, Georgia. Launched July 1, 2025, the Peach Advantage Loan Program is DCA's newest non-bond first-mortgage product that broadens eligibility beyond traditional Georgia Dream. It offers a 30-year fixed-rate Conventional first mortgage paired with concurrent 0% interest down payment assistance ranging from 2% to 5% of the first-mortgage amount. Borrowers can alternatively elect a 0% DPA option in exchange for a reduced first-mortgage interest rate. Open to households up to 150% AMI; not restricted to first-time homebuyers. Non-bond execution funded through Lakeview Loan Servicing's TBA program means no IRS recapture tax. 0% interest, non-forgivable concurrent second mortgage providing 2%, 3%, 4%, or 5% of the first-mortgage loan amount as down payment assistance. Alternative 0% DPA option pairs with a reduced first-mortgage interest rate. First mortgage is a 30-year fixed-rate Conventional loan with private mortgage insurance over 80% LTV, serviced by Lakeview Loan Servicing, LLC. Non-bond TBA execution. not subject to IRS recapture. Ang pondo ay mula sa State at TBA.

Ipinagpaliban ang Peach Advantage Loan Program, kaya walang bayarin hanggang maibenta o ma-refinance ang bahay, o mabayaran nang buo ang unang mortgage. Kailangang bayaran kapag may Sale, transfer, refinance, payoff of first mortgage, or when property ceases to be borrower's primary residence (DPA is non-forgivable). Nakatala ang tulong bilang lien sa posisyong 2nd Lien. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Peach Advantage Loan Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: 640 minimum FICO (subject to AUS findings and product overlays). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng DCA-approved Homebuyer Education / HUD-approved housing counseling agencies. Requirement sa paninirahan: Property must be located in Georgia and be the borrower's primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or qualified permanent/non-permanent resident alien. Household income up to 150% of Area Median Income (per Fannie Mae and Freddie Mac AMI Lookup Tools by census tract). Not restricted to first-time homebuyers. Must qualify for a Conventional first mortgage with PMI over 80% LTV. Pre-purchase homebuyer education required.

Nililimitahan ng Peach Advantage Loan Program ang kita ng sambahayan sa 150% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Up to 150% of Area Median Income per Fannie Mae and Freddie Mac AMI Lookup Tools by property census tract. Atlanta MSA AMI is approximately $112,400 (4-person 100%); 150% AMI threshold therefore approaches $168,600 - $224,750 depending on property location. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng Peach Advantage Loan Program ang presyo ng pagbili sa $650,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, townhouse, condo (Fannie Mae-approved), planned unit development. Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Peach Advantage Loan Program ang mga bibili ng bahay sa Statewide, Georgia.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Peach Advantage Loan Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reserved by Participating Lender via DCA's online lender portal at time of first-mortgage reservation; Lakeview Loan Servicing sets the first-mortgage interest rate. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.