Peach Plus Loan Program (Choice)

Peach Plus Loan Program (Choice)是面向Statewide，Georgia购房者的延期第二贷款。 The Peach Plus Choice option is the disability-focused tier of DCA's Peach Plus Loan Program. Available since April 15, 2024, it provides a 0% interest deferred second mortgage of 4% of the purchase price up to $12,500 to households that include a person with a documented disability, paired with a Peach Plus FHA or VA first mortgage. Income up to 150% AMI; not restricted to first-time homebuyers. Non-bond TBA execution - no IRS recapture. 0% interest deferred second mortgage of 4% of the purchase price up to a maximum of $12,500 for households that include a person with a disability. Bundled with a Peach Plus FHA or VA 30-year fixed-rate first mortgage. DPA is non-amortizing, no monthly payment, due in full upon sale, transfer, refinance, payoff, or non-occupancy. Non-bond TBA execution. no IRS recapture. 资金来自State和TBA。

Peach Plus Loan Program (Choice)按项目规定，提供相当于房价4%的援助。 购房者自付部分：Per FHA/VA product minimums。 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。

Peach Plus Loan Program (Choice)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。

Peach Plus Loan Program (Choice)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; DTI per AUS。 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 must include a person with a disability (borrower, co-borrower, or non-borrower household member with documented disability). Household income up to 150% AMI per Fannie Mae/Freddie Mac AMI Lookup Tools. Not restricted to first-time homebuyers. Must qualify for a Peach Plus FHA or VA first mortgage. HUD-approved homebuyer education required.

Peach Plus Loan Program (Choice)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 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 Plus Loan Program (Choice)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 (FHA/VA-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。

Peach Plus Loan Program (Choice)在其服务群体中提到了残障购房者。 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。

Peach Plus Loan Program (Choice)服务于在Statewide，Georgia购房的购房者。

Peach Plus Loan Program (Choice)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 Peach Plus Participating Lender via DCA's online lender portal at 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。