{"version":"1.0","type":"card","id":"fa6f376c-4564-4a7f-beb0-6fa247f8b20e","url":"https://stacklist.com/card/fa6f376c-4564-4a7f-beb0-6fa247f8b20e","title":"What Counts as a First-Time Buyer Here","source_url":"https://www.sjcfl.us/ship-down-payment-assistance/","note":"In St. Johns County, a first time buyer is generally defined as someone who has not owned a home in the past three years, not necessarily someone who has never owned one at all.\n","image":{"url":"https://ucarecdn.com/218d9a58-a421-4b7c-8ceb-fa604cf485b1/","alt":"What Counts as a First-Time Buyer Here","width":1500,"height":750},"stack":{"id":"75894f1d-8446-4260-9de4-edabb0a88d3d","title":"First-Time Homebuyer Guide (St. Johns County)","url":"https://stacklist.com/c/finance/stack/75894f1d-8446-4260-9de4-edabb0a88d3d"},"created_at":"2026-07-24T12:41:02.760Z","updated_at":null,"aco":{"summary":"St. Johns County's SHIP Down Payment Assistance Program provides up to $100,000 in financial aid for first-time homebuyers meeting income and residency requirements. The program offers a 15-year deferred second mortgage at 0% interest with forgiveness beginning in year 6.","tags":["down-payment-assistance","first-time-homebuyer","housing-program","florida","ship-program","mortgage","eligibility"],"key_entities":[{"name":"St. Johns County","type":"organization","confidence":0.95},{"name":"State Housing Initiatives Partnership (SHIP)","type":"organization","confidence":0.95},{"name":"Florida Housing Finance Corporation","type":"organization","confidence":0.9},{"name":"SJC Tax Collector","type":"organization","confidence":0.85},{"name":"Down Payment Assistance","type":"concept","confidence":0.95},{"name":"First-Time Homebuyer","type":"concept","confidence":0.95},{"name":"Area Median Income (AMI)","type":"concept","confidence":0.85},{"name":"St. Johns County, Florida","type":"location","confidence":0.95}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-07-24T12:41:00.183Z"},"token_counts":{"approximate":1789,"cl100k":1436},"content_hash":"sha256:959ddfdc6726e5c2ac384163610fcec20909f662faeedb355577f980575fb21d","acp_version":"0.2","body_available":true,"body_tokens":1789,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/fa6f376c-4564-4a7f-beb0-6fa247f8b20e.json","html":"https://stacklist.com/card/fa6f376c-4564-4a7f-beb0-6fa247f8b20e","md":"/api/public/card/fa6f376c-4564-4a7f-beb0-6fa247f8b20e.md","stack_json":"/api/public/stack/75894f1d-8446-4260-9de4-edabb0a88d3d.json"}}