Georgia Dream Peach Plus

Georgia Dream Peach Plus是面向Georgia购房者的延期第二贷款。 The Georgia Dream Peach Plus Loan Program (administered by GA DCA) provides 0% interest deferred second mortgage assistance to eligible homebuyers statewide. Unlike the Standard program, Peach Plus does NOT require first-time homebuyer status. Three tiers: Standard — 3.5% of purchase price up to $10,000; PEN (Protectors/Educators/Nurses) — 4% up to $12,500 for public protectors, educators, healthcare workers, and active military/veterans; Choice — 4% up to $12,500 for households with a family member with a disability. Eligible first mortgage types: FHA and VA only. Income limit: up to 150% AMI. Min credit score: 640. Repayment deferred until sale, refinance, or home is no longer primary residence. HUD-approved homebuyer education required. 0% interest deferred second mortgage — no monthly payments required. repaid only upon sale, refinance, or when property is no longer primary residence. Standard tier: 3.5% of purchase price up to $10,000 for all eligible borrowers. PEN tier: 4% of purchase price up to $12,500 for public protectors, educators, nurses, and active military/veterans. Choice tier: 4% of purchase price up to $12,500 for households with a family member with a documented disability. No first-time homebuyer requirement. Compatible with FHA and VA loans only. Available statewide through approved Georgia Dream lenders. 资金来自State。

Georgia Dream Peach Plus提供$10,000至$12,500的援助，具体取决于购房者符合的援助档次。 援助档次“Standard”——最高$10,000。 适用对象：All eligible borrowers meeting Peach Plus income, credit, and loan type requirements; 3.5% of purchase price up to $10,000。 援助档次“PEN”——最高$12,500。 适用对象：Public educators, first responders, healthcare workers, active military/veterans, and law enforcement officers。 援助档次“Choice”——最高$12,500。 适用对象：Households with a family member who has a documented disability。 该项目要求购房者自付$1,000。 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 Peach Plus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、Refinance、No Longer Primary和Transfer of Title。 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 Peach Plus面向将房屋作为主要住所自住的购房者。 该项目列出的最低信用分数为640。 须参加购房者教育课程。 居住要求：State Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 For buyers who don't meet traditional Georgia Dream requirements.

Georgia Dream Peach Plus将家庭收入限制在地区收入中位数的150%，该数值因县和家庭人数而异。 Up to 150% AMI; income limits vary by county and household size. Peach Plus has higher income limits than the Standard Georgia Dream program. See GA DCA website for current county-by-county limits. 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 Peach Plus将房价上限设为$541,287。 符合条件的房屋类型包括Single Family、Condo、Townhouse和New Construction。 新建房屋符合条件。

Georgia Dream Peach Plus服务于在Georgia任何地方购房的购房者。

Georgia Dream Peach Plus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First-Come-First-Served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。