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.