Rural Owner-Occupied Loan Program (ROOL)

Rural Owner-Occupied Loan Program (ROOL) es una primera hipoteca para compradores de vivienda en Statewide, Alaska, a cargo de Alaska Housing Finance Corporation (AHFC). AHFC's Rural Owner-Occupied Loan provides financing to purchase, renovate, or construct (owner-built) owner-occupied housing in small/rural Alaska communities. It offers a reduced rural interest rate on the first $250,000 of the loan, with the excess priced at the rural rate plus 1%. Commercial use is allowed only on single-family homes, limited to 25% of gross floor area. Reduced rural interest rate on first $250,000. Available for purchase, renovation, or owner-built new construction. Stackable rate-reduction options (RELP, energy efficiency, low-income, state veterans preference). Los fondos provienen de AHFC corporate/loan fund (non-MRB; not tax-exempt bond).

Rural Owner-Occupied Loan Program (ROOL) es una primera hipoteca y se reembolsa según los términos que fija Alaska Housing Finance Corporation (AHFC). Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Rural Owner-Occupied Loan Program (ROOL) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Current rural rate 5.875% (30-yr) per AHFC rate sheet valid 06/08/2026. Base program has NO income limit and NO acquisition-cost limit. Veterans use the State Veterans Interest Rate Preference option on top of this loan (no separate Rural Veterans program). Not confirmed (blank): min_credit_score, max_dti.

Rural Owner-Occupied Loan Program (ROOL) fija su límite de ingresos así: No income limit on the base Rural Owner-Occupied loan. An income limit applies only if the borrower elects the optional Rural Enhanced Loan Program (RELP) rate reduction (eff. 06/01/2026, by household size 1-8): 100% level 4-person ~$126,050 most areas (Denali $146,200; Skagway $129,200; Ketchikan $127,400; Aleutians West $139,000); 80% level 4-person ~$95,750. RELP reduction applies to first $200,000 of loan. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Rural Owner-Occupied Loan Program (ROOL) limita el precio de compra así: No acquisition-cost limit (governed instead by AHFC loan-amount limits). Los tipos de propiedad elegibles incluyen Single Family, Condo, Common Interest Community Unit, Duplex, 2-4 Unit y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Rural Owner-Occupied Loan Program (ROOL) menciona a veteranos entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

Rural Owner-Occupied Loan Program (ROOL) atiende a compradores de vivienda que compran en Statewide, Alaska. El programa se dirige a áreas específicas: Small communities only: population <=6,500 if NOT connected by road/rail to Anchorage or Fairbanks; OR population <=1,600 if connected by road/rail and at least 50 statute miles outside Anchorage or 25 statute miles outside Fairbanks (excludes the Alaska Marine Highway System). Defined by AS 18.56.600 and 15 AAC 152.990.

Las solicitudes de Rural Owner-Occupied Loan Program (ROOL) se tramitan a través de Alaska Housing Finance Corporation (AHFC), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Lender reserves/locks via AHFC daily-posted rates. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.