What is the typical definition for a 'first-time homebuyer' according to most SHIP administering agencies?

Someone who has not owned a primary residence in the past three years.

The primary focus of the SHIP initiative across most local agencies centers on facilitating initial homeownership for those entering the market. The standard, conventional definition employed by these programs usually characterizes a first-time homebuyer as an individual or family who has not held ownership of a primary residence within the preceding three-year timeframe. It is important to recognize, however, that this definition is not absolute; some local plans may incorporate exceptions allowing previous homeowners, such as those who suffered documented financial setbacks like divorce or loss of the previous residence, to qualify if they satisfy all other current eligibility requirements.