What the Homeownership Program Does

The St. Johns County Homeownership Programs has assembled a team of housing professionals to guide eligible first time homebuyers through all phases of the home buying process. This comprehensive program provides the following services:

• One-on-one credit counseling for rebuilding or perfecting your credit history.

• Homeownership Education

• Affordability Consultation

• Referral to the most beneficial mortgage loan program for your individual situation.

• Access to all available State or Federal down payment/ purchase assistance programs you are eligible for.

• The ability to access SHIP purchase assistance funds to partner or layer with other state or federal funds if available.*

• Information and connection with the network of home builders and developers who are working with us to provide affordable housing locally.

• Coordinates interaction between the credit counselor, mortgage consultant, lender, purchase assistance programs, builder/developer or realtor and closing agent.

Please Note: Submittal of a St. Johns County Homeownership Program Registration Packet is mandatory in order to participate in the program and is the only way to be eligible to access SHIP purchase assistance funds.