Home Ownership Pool (HOP) - City of Wilmington

Home Ownership Pool (HOP) - City of Wilmington هو رهن عقاري ثانٍ لمشتري المنازل في Wilmington، North Carolina، وتديره City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division. The City of Wilmington, in partnership with local banks, offers the Home Ownership Pool (HOP), a city-administered second-mortgage down payment assistance loan program for low-to-moderate income households unable to qualify for a conventional mortgage under standard underwriting. HOP provides up to $25,000 in down payment assistance. The property must be purchased within the city limits of Wilmington. Homebuyer Education is the first step; applications are accepted on an ongoing basis. Up to $25,000 in down payment assistance. Second-mortgage gap financing for buyers who cannot qualify for a conventional mortgage. Stackable with HOP 2gether, CPLP, and other DPA programs. Free homebuyer education and one-on-one HUD-certified housing counseling. Applications accepted on an ongoing basis. يأتي التمويل من Partner banks provide approximately $1 million annually; supplemented by City of Wilmington General Funds appropriated to the Housing Loan Funds and federal HUD CDBG and HOME funds.

يقدم Home Ownership Pool (HOP) - City of Wilmington مساعدة تصل إلى $25,000. يمكن الجمع بين البرنامج وHOP 2gether, CPLP, and other down payment assistance loan programs. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division هي التي تحدد أي مبلغ يُمنح لكل شخص.

Home Ownership Pool (HOP) - City of Wilmington هو رهن عقاري ثانٍ ويُسدَّد وفق الشروط التي تحددها City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division. تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Home Ownership Pool (HOP) - City of Wilmington مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. يلزم إكمال دورة لمشتري المنازل، عبر City of Wilmington Community Development Home Buyer Education classes (certificate valid two years); topics include credit, working with a real estate agent, fair housing, shopping for a home loan, and inspections. شرط الإقامة: Property must be purchased within the city limits of Wilmington. This City of Wilmington HOP is administered by the City and restricted to homes inside Wilmington city limits; it is DISTINCT from the New Hanover County Home Ownership Pool already in the catalog. Applicant must complete City Home Buyer Education before becoming HOP-eligible; household income at/below 80% AMI for the Wilmington Metro Area. Application requires the City Housing Programs Application plus a HOP Addendum with credit report, pay stubs, bank statements, and two years of tax returns. Exact 4-person income dollar limit, credit score, DTI, interest rate, term, and purchase-price cap were not extractable from the scanned source PDF and were left blank rather than guessed.

يحدد Home Ownership Pool (HOP) - City of Wilmington دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Households at or below 80% of Area Median Income (AMI) for the Wilmington Metro Area, using HUD HOME Program income limits adjusted for household size (2025 limits). ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يمكن استخدام Home Ownership Pool (HOP) - City of Wilmington لـSingle Family. المنازل حديثة البناء مؤهلة.

يخدم Home Ownership Pool (HOP) - City of Wilmington مشتري المنازل الذين يشترون في Wilmington، North Carolina.

تُقدَّم طلبات Home Ownership Pool (HOP) - City of Wilmington عبر City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.