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Georgia Dream
PEN DPA Intro
Up To 12,5K Dollars For Protectors, Educators & Nurses First-Time Buyer
What Should YOU
Expect Here?
SUMMARY
Of This PAGE
Georgia Dream PEN DPA Intro Up To 12,5K Dollars For Protectors, Educators & Nurses First-Time Buyer.
MAJOR REQUIREMENT: YOU MUST WORK in or related to: Law Enforcement, Education and Healthcare.
Active members of ARMED FORCES – also may apply.
Must NOT have owned a house in the last three years.
Lower Interest.
NO Lottery!
Serving ALL Georgia 159 Counties.
Year-round!
Funds do NOT run out!
Plenty of participating lenders generate the loan.
I am always here to help!
What Sets The
PEN DPA PROGRAM
A PART From the other 5?
WHO MAY QUALIFY For Georgia Dream PEN DPA Program: Protectors-Educators & Nurses some of our finest citizens working with and for the public as:
PROTECTORS – ALL professionals working in law enforcement – to include TSA workers
EDUCATORS – ALL teachers as well as those working in activities related to education of all levels
NURSES – and – ACTUALLY - ALL folks who work in the medical field
ACTIVE MEMBERS of the ARMED FORCES – may also qualify for this program
Up to $12,500 Down Payment Assistance for those who qualify
Must be First-Time buyer with no other home to your name for the past 3 years: solo OR as co-signer
Up To $12,500 Georgia Dream PEN DPA EMPOWERS
FIRST-TIMER Law Enforcer, Educators & HealthCare Pros To Step Forward & Buy THEIR
First HOME!
THERE ARE REQUIREMENTS:
I keep saying ‘may qualify’ because there are REQUIREMENTS which must be reviewed and analyzed by a DPA Specialist – like me - AND a loan officer needs to pull your Credit Report before giving you the final say.
LASTLY – conditions may change and can improve: If you follow my advises, we can qualify you either a bit later OR next year.
In another program, I did exactly that for another buyer 9 years ago: He waited from one year to the next! He bought a house for less than $200,000 …fast forward: His house is now worth OVER $600,000!
Patience and diligence pay BIG dividends!
Georgia Dream PEN DPA – Most Important Requirements And Highlights – Are Laid Out Here:
WHO MAY QUALIFY For Georgia Dream PEN DPA Program:
MAJOR REQUIREMENT - YOU MUST work in one of the professions which form the acronym “PEN:” Protectors-Educators & Nurses some of our finest citizens working with and for the public as:
PROTECTORS – ALL professional working in law enforcement – to include TSA workers
EDUCATORS – ALL teachers as well as those working in activities related to education of all levels
NURSES – and – ACTUALLY - ALL folks who work in the medical field
ACTIVE MEMBERS of the ARMED FORCES – may also qualify for this program
This is a “First Time Buyer Program:” no other house in your name for the immediate past 3 years …solo or co-signer
640 FICO SCORE minimum – the same for ALL Georgia Dream programs
ASSETS LIMIT: Have liquid assets of no more than $20,000 or 20% of the sales price (whichever is greater). Example: House purchase price: $250,000 X 20% = $50,000 – that’s is the buyer’s max ‘liquid’ funds allowed
INTEL: RETIREMENT ACCOUNTS – are NOT considered liquid assets
INCOME LIMIT: It varies by the city/county you want to buy a house – Please click here to check
(ONLY) $1,000 down payment out of your pocket AT CLOSING
YOU also MUST Register, Attend and Pass in a “HOME OWNERSHIP EDUCATION CLASS” – 4 to 5 hours. Paid directly to whichever provider you select, some are free.
Cost: $ZERO to $50
Please see link to class provider below
“Homeownership Education Class” –
List of AUTHORIZED Agencies of “Home Ownership Education” providers - across Georgia, please click here
Don’t be afraid, this is NOT a ‘gotcha!’ thing!
Folks there WANT YOU TO SUCCEED!
Both on the test AND as a FUTURE HOMEOWNER!
They will coach you into success! YOU will understand why you are in the class for: Then, the right answer will pop up from the wrong ones.
You will learn skills on how to attain AND preserve your future home!
You will see the right answer
Property will be your primary residence
YOU must occupy the house within 60 days
ALL OTHER LENDERS – (outside the Georgia Dream Program) - require Tax Return only for the immediate past 02 years …Georgia Dream wants to see income tax for the immediate 3 years
Loans must be originated by Participating Lenders …which there is plenty to choose from!
(INTEL: Georgia Dream does NOT originate ANY loans)
THERE ARE GREAT BENEFITS Built-In
The $12,500 DPA is EXTENDED to the homebuyers in the form of a “SILENT 2nd MORTGAGE”
(a) You DON’T have to pay the PRINCIPAL and ZERO INTEREST for as long as you live in the house
(b) AND you only pay the face value that is the same $12,500 that you received on the day of the closing!!! …this is NOT a typo!
(ONLY) $1,000 down payment out of your pocket AT CLOSING
Lower Interest Rate Loans typically +/- 1% lower than the prevailing market rate
OUT OF POCKET EXPENSES BEFORE CLOSING:
Here are some expenses that YOU will incur
In ALL House Financing – Either with Georgia Dream OR NOT – BEFORE CLOSING – for:
Credit Report – paid to the lender +/- $50/125
Property Appraisal – paid directly to the Inspection Company COST: $500 $700 = mandatory by ALL lenders and it NOT only required by Georgia Dream… ALL LENDERS must know if the house meets OR exceeds the price which is being paid for
“Homeownership Education Class” – paid directly to whichever provider you select, some are free. Cost: $ZERO to $50
List of AUTHORIZED “Home Ownership Education” providers, please click here
You pay directly to them!
AND NO – I do NOT provide such classes.
House Inspection (optional) – paid directly to the company / or inspector – whomever you chose $400/700 depending on the square footage.
This is OPTIONAL… BUT: do you want to skimp on $400/$700 against a $200K to $400,000 house?
Moving in NOT knowing what might be wrong in the house?
Yup! I don’t think so!
PS: I DO NOT provide any of these services: THIS IS NOT WHY I WRITING THIS (ALREADY) MONSTER BIG SITE!
First: I want to help people ALL OVER GEORGIA!
Independently if I am your REALTOR or NOT!
Secondly: YES! IF YOU STILL NEED AN AGENT TO REPRESENT YOU AND GET YOU OVER THE FINISH LINE – I WOULD LOVE TO BE YOUR REALTOR!
I AM ALWAYS HERE TO HELP!
Search Here ALL Intel Within This Site
INCLUDING To Find Any Types
Of Homes By City, # Bedrooms AND Price U Want
A Community Of Likeminded
Home Life Style Dreamers
Please take a minute to write us a review: short, sweet, and to the point.
YOUR Opinion Does Matter!
AND… BINGO!!! YOU are the newest PROUD
GEORGIA HOMEOWNER – under Georgia Dream CHOICE DPA!!!
Easy, hum?!
These are the easy peasy bullet format quick ’lemon squeezy’ reading to get you up to speed with the program.
I have another robust page that will bring you rich details, should you need or want them:
Still More Choices
Here are the other Five Georgia Dream Homeownership Program I would like to make sure YOU are aware of …who knows one them could be fit YOUR circumstances better OR, perhaps, YOU may recommend to a friend:
Georgia Dream STANDARD DPA Program Intro
Georgia Dream CHOICE DPA Program Intro
Georgia Dream PEACH SELECT VA DPA Program Intro
MAY I BE OF SERVICE?
I would so love to be
YOUR REALTOR!
Or should any question arise:
I hope I have proved
‘beyond any reasonable doubt’
That I Am A DPA Specialist
And I will work AS HARD
For YOU!
Search Here ALL Intel Within This Site
INCLUDING To Find Any Types
Of Homes By City, # Bedrooms AND Price U Want
Is there anything
you still need
to know about which
is not in this
Georgia Dream PEN DPA Intro Up To 12,5K Dollars For Protectors, Educators & Nurses First-Time Buyer page?
My dog, Yolo, hard at work
Please click on the photo
and let me know
Because my dog, YOLO,
would love to fetch it for you!
Looking for a new home?
Maybe I cannot find YOU
The ‘house of the future’
(As Yet)
But I certainly can find
YOUR FUTURE HOUSE!!!
Click on the photo to
contact me
I would so love to serve
as your REALTOR!
I am here to help!
