Peach Advantage Loan Program

Peach Advantage Loan Program是面向Statewide，Georgia购房者的延期第二贷款。 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. 资金来自State和TBA。

Peach Advantage Loan Program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 (DPA is non-forgivable)。 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。

Peach Advantage Loan Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum FICO (subject to AUS findings and product overlays)。 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。 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.

Peach Advantage Loan Program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% 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. 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。

Peach Advantage Loan Program将房价上限设为$650,000。 符合条件的房屋类型包括Single-family detached, townhouse, condo (Fannie Mae-approved), planned unit development。 新建房屋符合条件。 预制房屋不符合条件。

Peach Advantage Loan Program服务于在Statewide，Georgia购房的购房者。

Peach Advantage Loan Program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 Participating Lender via DCA's online lender portal at time of first-mortgage reservation; Lakeview Loan Servicing sets the first-mortgage interest rate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。