Home Ownership Pool (HOP) - City of Wilmington

Home Ownership Pool (HOP) - City of Wilmington은(는) Wilmington, North Carolina 주택 구매자를 위한 후순위 모기지이며, City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division에서 운영합니다. 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. 재원은 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.에서 나옵니다.

Home Ownership Pool (HOP) - City of Wilmington은(는) 최대 $25,000의 지원을 제공합니다. 이 프로그램은 HOP 2gether, CPLP, and other down payment assistance loan programs와(과) 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division에서 정합니다.

Home Ownership Pool (HOP) - City of Wilmington은(는) 후순위 모기지이며 City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division에서 정한 조건에 따라 상환합니다. 지원금은 Second 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Home Ownership Pool (HOP) - City of Wilmington의 대상: 주택을 주 거주지로 사용할 주택 구매자. 주택 구매자 교육 이수가 필요하며, 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.을(를) 통해 받습니다. 거주 요건: 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.

Home Ownership Pool (HOP) - City of Wilmington은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. 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). 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Home Ownership Pool (HOP) - City of Wilmington은(는) Single Family에 사용할 수 있습니다. 신축 주택도 대상입니다.

Home Ownership Pool (HOP) - City of Wilmington은(는) Wilmington, North Carolina에서 주택을 구매하는 주택 구매자를 지원합니다.

Home Ownership Pool (HOP) - City of Wilmington 신청은 City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.