In-Fill Housing - Houses For Sale

In-FIll Housing, Inc. is an Equal Housing Opportunity

First-time Homeownership Program . . . Homeownership is now an obtainable goal for many more Americans!

The City of Macon, the Macon Housing Authority and In-Fill Housing, Inc. (a non-profit developer and subsidiary of the Macon Housing Authority) have created a homeownership program that enables many more low and moderate income families to become first-time homebuyers.

Through this program, In-Fill Housing has built and sold nine new houses in the Second Street/Ell Street neighborhood and has either built and sold (or has under construction) 35 more new homes in the Prince Street/Nussbaum Avenue neighborhood. This area includes Prince Street, Elizabeth Street, Elkton Place, Henrietta Street and Nussbaum Avenue.

There are seven exciting floor plans you can choose from. Several plans have fireplaces; we also have two-story models. You owe it to yourself to drive by and look at these houses today, then call us!

Program Eligibility Requirements

You must make a down payment of 1% of the sales price. In-Fill pays the remaining closing costs up to 3% of the mortgage amount.
The minimum total family income that is needed is approximately $15,000. If you’re not quite there, apply anyway and let us review your circumstances with you.
Maximum annual total family income:

Maximum Income Limits (Effective 2/11/05)
Total in Household	1	2	3	4	5	6	7	8
Max Household Income	$30,800	$35,200	$39,600	$44,000	$47,500	$51,050	$54,550	$58,100

A minimum Beacon Score (credit score) of approximately 600 is needed. This requirement is for both applicant and co-applicant. If your credit isn’t perfect, apply anyway and let us review this with you.
You must obtain a first mortgage loan from a lending institution such as a bank, credit union or mortgage company for at least 60% of the sales price. We can help with this. For many applicants, a second mortgage loan at very low interest rates is available from the City of Macon for up to $20,000. The second mortgage is deferred for the first 5 years!
Applicants (and co-applicants) are required to complete the Homeownership Seminars (four 2 ½ hour sessions) presented by the City of Macon Housing Counseling Center, 682 Cherry Street, Suite 1110, Macon, Georgia 31201, (478) 803-2373. There is a small fee for the seminars, which covers books and other materials used in the seminars.

Attending these seminars will give you great information on how to avoid the pitfalls of purchasing a home. You will get the right information from respected people in the housing industry including inspectors, realtors, lawyers, and local bankers who handle the legal and financial portions of purchasing a new home. . . . everything from applying for the mortgage loan to the “closing” when the home is finally yours. You’ll receive a certificate upon completing the seminar.

If you would like to receive an application, please complete the Application Request Form or call (478) 752-5062 and speak with Brenda Perlman. An application, along with information about our program, will be mailed to you. Please allow 3-5 days for delivery.