Georgia Dream Homeownership Program (STANDARD)

Georgia Dream Homeownership Program (STANDARD)是面向Statewide，Georgia购房者的延期第二贷款。 The Georgia Dream Standard option is the flagship first-time homebuyer program for Georgia, pairing a Georgia Dream first mortgage (FHA/VA/USDA/Conventional 30-year fixed) with a 0% interest, deferred-payment second mortgage equal to 5% of the purchase price up to $10,000. Open to all eligible first-time homebuyers meeting income and credit requirements. Bond-funded; federal IRS recapture may apply. 0% interest deferred second mortgage of 5% of the purchase price up to a maximum of $10,000. Bundled with a Georgia Dream 30-year fixed-rate first mortgage (FHA, VA, USDA, or Conventional). DPA is non-amortizing, no monthly payment, due in full upon sale, transfer, refinance, payoff, or when the property is no longer the primary residence. 资金来自State和Bond。

Georgia Dream Homeownership Program (STANDARD)按项目规定，提供相当于房价5%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 (STANDARD)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 (STANDARD)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。 First-time homebuyer (no ownership of primary residence in past 3 years; waived in federally designated 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. Minimum borrower investment of $1,000.

Georgia Dream Homeownership Program (STANDARD)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 (STANDARD)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 (STANDARD)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 (STANDARD)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。