Home Opportunity Program (HOP)

Home Opportunity Program (HOP) é um empréstimo perdoável para compradores de imóveis em Condado de 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, Alaska. 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. Os recursos vêm de Federal HOME Investment Partnerships Program (HUD), passed through Alaska Housing Finance Corporation (AHFC) to Alaska CDC as HOP intermediary.

Home Opportunity Program (HOP) é perdoado após 5 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por 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 e the balance above $10,000 (if any) is due in full upon sale, transfer, or refinance. A ajuda é registrada como ônus em posição 2nd (subordinate to primary mortgage); secured by Note and Deed of Trust. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Home Opportunity Program (HOP) é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: Buyer must not own another home at time of HOP assistance; HOP-assisted home must be the only home owned by the buyer. Sobre crédito, o programa afirma: Not published; lender determines credit eligibility under standard underwriting principles for the primary loan. É exigido um curso de educação para compradores de imóveis, por meio de HUD-approved housing counseling agency (homebuyer education class required prior to closing). Requisito de residência: 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. Cidadania ou situação imigratória: 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) limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. 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. O limite vale para a renda total da família, não só a do mutuário. O programa indica um tamanho máximo de família de 8. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

Home Opportunity Program (HOP) limita o preço de compra assim: 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. Os tipos de imóvel elegíveis incluem Single-family detached homes, condominiums, townhomes (must meet HUD/HOME property standards and be non-luxury). Manufactured homes permitted if meeting HOME property standards. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Home Opportunity Program (HOP) atende compradores de imóveis que compram em Condado de 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, Alaska. O programa é voltado para áreas específicas: 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.

As inscrições para Home Opportunity Program (HOP) são feitas por meio de o órgão que administra o programa, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de 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. A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.