Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)是面向Statewide，Georgia购房者的延期第二贷款。 The Georgia Dream PEN (Protectors, Educators & Nurses) option provides enhanced down payment assistance to public protectors (police, firefighters, corrections, EMTs), K-12 educators, healthcare workers (nurses and other licensed providers), and active-duty military. PEN pairs a Georgia Dream first mortgage with a 0% interest, deferred-payment second mortgage equal to 6% of the purchase price up to $12,500. Bond-funded; IRS federal recapture may apply. 0% interest deferred second mortgage of 6% of the purchase price up to a maximum of $12,500 for borrowers employed as public protectors (police, sheriff, corrections, firefighters), educators (K-12 teachers and staff), or healthcare workers (nurses and other licensed healthcare providers), as well as active-duty military. Bundled with a Georgia Dream 30-year fixed first mortgage. DPA is non-amortizing, no monthly payment, due at sale/refi/payoff/non-occupancy. 资金来自State和Bond。

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)按项目规定，提供相当于房价6%的援助。 购房者自付部分：Minimum $1,000 of borrower's own funds toward purchase。 该项目可与其他援助结合使用，但须遵守各项目的规定。 金额是该项目公布的上限，并非报价——具体每人的援助金额由管理该项目的机构决定。

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale, transfer, refinance, payoff of first mortgage, or when property ceases to be borrower's primary residence。 该援助以2nd Lien顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Borrowers in federally designated targeted areas and qualified veterans (per Heroes Earnings Assistance and Relief Tax Act) are exempt from the 3-year first-time-homebuyer requirement。 关于信用，该项目说明：640 minimum FICO; manual underwriting allowed within Georgia Dream guidelines。 须参加购房者教育课程，由DCA-approved Homebuyer Education / HUD-approved housing counseling agencies提供。 居住要求：Property must be located in Georgia and be the borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualified permanent/non-permanent resident alien。 Borrower must be currently employed (or work for a qualifying employer in) one of the eligible PEN occupations: public protector (sworn law enforcement, corrections, firefighter, EMT), educator (K-12 teacher, school administrator, school staff), nurse or licensed healthcare provider, or active-duty military. Documentation of employment required. First-time homebuyer (waived in targeted areas and for qualified veterans). Must qualify for a Georgia Dream first mortgage. Liquid assets <= $20,000 or 20% of sales price, whichever is greater.

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)将家庭收入限制在$149,833。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)将房价上限设为$550,000。 符合条件的房屋类型包括Single-family detached, townhouse, condo (FHA/VA/USDA/Fannie Mae approved), 2-4 unit owner-occupied (FHA only), planned unit development。 新建房屋符合条件。 预制房屋符合条件。

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)在其服务群体中提到了现役军人、教育工作者、执法人员、消防员和医护人员。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)服务于在Statewide，Georgia购房的购房者。 该项目针对特定区域：Federally designated targeted areas (per IRC Section 143) in Georgia have higher income/sales price limits and waive the first-time-homebuyer requirement. Includes census tracts in Atlanta, Augusta, Columbus, Macon, Savannah, Albany, and other municipalities.

Georgia Dream Homeownership Program - Protectors, Educators & Nurses (PEN)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Reserved by Georgia Dream Participating Lender via DCA's online lender portal (Lender Online) at the time of first-mortgage reservation预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。