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

Ang St. Joseph's/Candler Team Member Home Purchase Assistance ay isang loan na mapapatawad para sa mga bibili ng bahay sa 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. Ang pondo ay mula sa St. Joseph's/Candler health system employer-paid benefit administered through City of Savannah HNSD.

Nag-aalok ang St. Joseph's/Candler Team Member Home Purchase Assistance ng tulong na hanggang $7,500. Ambag ng bibili ng bahay: No published minimum buyer contribution; combination with DreamMaker may impose $1,000. Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang ang ahensyang nangangasiwa ang nagpapasya sa anumang indibidwal na award.

Pinapatawad ang St. Joseph's/Candler Team Member Home Purchase Assistance pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may 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. Nakatala ang tulong bilang lien sa posisyong 2. 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 St. Joseph's/Candler Team Member Home Purchase Assistance sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time homebuyer required (consistent with DreamMaker family of programs). Tungkol sa credit, sinasabi ng programa: No published minimum FICO; lender underwriting required (St. Joseph's/Candler team-member benefit). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng HUD-approved homeownership/homebuyer education course required (City of Savannah HUD-approved counseling agency network). Requirement sa paninirahan: 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.

Nililimitahan ng St. Joseph's/Candler Team Member Home Purchase Assistance ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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.

Ganito nililimitahan ng St. Joseph's/Candler Team Member Home Purchase Assistance ang presyo ng pagbili: Capped by HUD HOME Homeownership Value Limits for Chatham County / Savannah MSA when stacked with DreamMaker; approximately $255,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang New and existing single-family houses in good condition that comply with program requirements at property must be located within Savannah city limits. Kwalipikado ang bagong gawang bahay.

Binabanggit ng St. Joseph's/Candler Team Member Home Purchase Assistance ang mga manggagawa sa kalusugan sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng St. Joseph's/Candler Team Member Home Purchase Assistance ang mga bibili ng bahay sa Savannah, Georgia.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa St. Joseph's/Candler Team Member Home Purchase Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng 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. 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.