Home Opportunity Program (HOP)

Home Opportunity Program (HOP)은(는) Fairbanks North Star Borough; Southeast Fairbanks Census Area; Matanuska-Susitna Borough; Kenai Peninsula Borough; Copper River Basin (Glennallen, Valdez, Cordova); City and Borough of Juneau; Haines Borough; Ketchikan Gateway Borough; Petersburg Borough; Wrangell Borough; Sitka Borough; Kodiak Island Borough; and other Alaska areas outside the Municipality of Anchorage 카운티, Alaska 주택 구매자를 위한 탕감 가능 대출입니다. The Home Opportunity Program (HOP) promotes homeownership for low-income households in Alaska. Operated by Alaska Community Development Corporation as the AHFC-designated HOP intermediary serving all of Alaska EXCEPT the Municipality of Anchorage. HOP provides zero-interest loans of $1,250 up to $30,000 to assist eligible low-income, first-time homebuyers with down payment, up to $3,000 of closing costs, and/or a buy-down of the first mortgage to achieve affordability. The first $10,000 is conditionally forgivable over a 5-year period; any remainder is a deferred 0% loan secured by a Note and Deed of Trust, due upon sale, transfer, or refinance. Funds flow from the federal HOME Investment Partnerships Program through AHFC. Up to $30,000 in total assistance, including: down payment assistance (if required by primary lender), up to $3,000 in closing cost assistance, and a buy-down of the first mortgage if necessary to achieve affordability. Zero-interest loan. the first $10,000 of HOP assistance is conditionally forgivable over a 5-year affordability period. Any portion above $10,000 (up to the $30,000 cap) is a 0% deferred-payment loan secured by a Note and Deed of Trust, due upon sale, transfer, or refinance. Statewide reach (except Municipality of Anchorage). Multiple participating lender partners. 재원은 Federal HOME Investment Partnerships Program (HUD), passed through Alaska Housing Finance Corporation (AHFC) to Alaska CDC as HOP intermediary에서 나옵니다.

Home Opportunity Program (HOP)은(는) 5년 후 탕감되므로, 그 기간 동안 거주한 주택 구매자는 상환하지 않습니다. 상환 사유: Sale, transfer of title, refinance (without subordination), or failure to occupy as primary residence during the period of affordability. The first $10,000 of HOP assistance is forgiven pro rata over 5 years 및 the balance above $10,000 (if any) is due in full upon sale, transfer, or refinance. 지원금은 2nd (subordinate to primary mortgage); secured by Note and Deed of Trust 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Home Opportunity Program (HOP)의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: Buyer must not own another home at time of HOP assistance; HOP-assisted home must be the only home owned by the buyer. 신용에 대해 프로그램은 다음과 같이 명시합니다: Not published; lender determines credit eligibility under standard underwriting principles for the primary loan. 주택 구매자 교육 이수가 필요하며, HUD-approved housing counseling agency (homebuyer education class required prior to closing)을(를) 통해 받습니다. 거주 요건: Property must be located in an ACDC HOP service area within Alaska (statewide except Municipality of Anchorage) and must be the buyer's primary residence. 시민권 또는 이민 신분: Per HOME program federal rules: U.S. citizen or qualified non-citizen (legal resident). Must be a first-time homebuyer (HOP-assisted home must be the only home owned and must be primary residence). Household income at or below 80% of HUD area median income (regionally adjusted). Must obtain primary mortgage financing from AHFC or another participating secondary-market lender. Mortgage payment ratio (PITI) on the first mortgage should not be less than 25% of buyer's gross qualifying income (HOP assistance cannot reduce the primary loan amount the borrower otherwise qualifies for). Buyer must complete HUD-approved homebuyer education class. Property must meet HUD/HOME property standards; pre-1978 homes require lead-based paint visual assessment and possible stabilization. Home must be of non-luxury nature. Buyer must not be in arrears on any child support obligation. Must occupy and own continuously through the period of affordability or HOP funds are subject to recapture. Lender Loan Officer for HOP: Lori Tice (NMLS #1137092). Funds are limited and awarded first-come, first-served.

Home Opportunity Program (HOP)은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Household income must be at or below 80% of HUD median income, regionally adjusted by HUD/AHFC, with limits varying by community. Per ACDC HOP income table effective 6/1/2025, the income range across Alaska communities and household sizes 1-8 spans approximately $56,750 (1-person, lowest community) to $129,100 (8-person, highest community). 4-person 80% AMI for the Anchorage MSA (which is most representative for Alaska CDC's largest service areas, e.g., Mat-Su Borough) is $91,440 in HUD FY2025. Limits vary by region (Mat-Su, Kenai, Fairbanks, Juneau, Ketchikan, Sitka, Kodiak, etc.). Refer to ACDC HOP income table at https://www.alaskacdc.org/uploads/3/1/5/5/31559769/80__hop_-_sheet1.pdf for the full schedule by community. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 프로그램에 명시된 최대 가구 규모는 8명입니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Home Opportunity Program (HOP)의 구매 가격 상한은 다음과 같습니다: No explicit maximum purchase price; property must be of non-luxury nature and must meet HOME property standards. Effective ceiling is set by the borrower's primary mortgage qualification plus up to $30,000 of HOP assistance. 대상 주택 유형: Single-family detached homes, condominiums, townhomes (must meet HUD/HOME property standards and be non-luxury). Manufactured homes permitted if meeting HOME property standards. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Home Opportunity Program (HOP)은(는) Fairbanks North Star Borough; Southeast Fairbanks Census Area; Matanuska-Susitna Borough; Kenai Peninsula Borough; Copper River Basin (Glennallen, Valdez, Cordova); City and Borough of Juneau; Haines Borough; Ketchikan Gateway Borough; Petersburg Borough; Wrangell Borough; Sitka Borough; Kodiak Island Borough; and other Alaska areas outside the Municipality of Anchorage 카운티, Alaska에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Statewide except the Municipality of Anchorage. Service area covers Fairbanks North Star Borough, Southeast Fairbanks Census Area, Mat-Su Borough, Kenai Peninsula Borough, Copper River Basin, City and Borough of Juneau, Haines Borough, Ketchikan Gateway Borough, Petersburg Borough, City and Borough of Wrangell, City and Borough of Sitka, and Kodiak Island Borough. Anchorage residents must use the AHFC HOP product administered by other partners.

Home Opportunity Program (HOP) 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: First-come, first-served through Alaska CDC office in Palmer or through participating lenders. No online reservation portal; lender submits HOP application packet on behalf of qualified buyer. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.