Workforce Initiative Subsidy for Homeownership (WISH)

Workforce Initiative Subsidy for Homeownership (WISH) é um empréstimo perdoável para compradores de imóveis em Condado de Multiple, Arizona. The Workforce Initiative Subsidy for Homeownership (WISH) Program is funded by FHLBank San Francisco and delivered locally by Housing Solutions of Northern Arizona (HSNA) as the participating member partner. WISH provides 4-to-1 matching grants up to the 2026 maximum of $32,837 (set annually by FHFA) to first-time homebuyers earning at or below 80% Area Median Income. Buyers contribute a minimum of $2,000 or 1% of the purchase price (whichever is greater); FHLBank San Francisco matches that contribution 4:1 through HSNA. The grant is recorded as a 5-year retention deed restriction that forgives 20% per year of owner-occupancy, fully forgiven after 5 years; sale, refinance with cash out, or loss of owner-occupancy during retention triggers pro-rata recapture of the unforgiven balance. WISH funds are delivered annually on a first-come, first-served basis from FHLBank San Francisco's Affordable Housing Program 35% set-aside; the 2026 nationwide allocation is $13M and may be exhausted mid-year. HSNA covers Coconino, Mohave, and Yavapai counties (and serves the broader Northern Arizona region including Apache and Navajo county clients via referral). Native applicants from Navajo, Hopi, and Hualapai communities may apply on the same terms as any other qualifying buyer; WISH is not a Native-targeted program. Up to $32,837 (2026 maximum set by FHFA) in 4-to-1 matching down payment / closing cost assistance for first-time homebuyers at or below 80% Area Median Income. Buyer's contribution (minimum $2,000 or 1% of purchase price, whichever is greater) is matched 4:1 by FHLBank San Francisco grant funds delivered through HSNA. Funds are structured as a 5-year deferred forgivable grant (recorded as a retention deed restriction) - 20% of the subsidy is forgiven for each full year of owner-occupancy, with 100% forgiven after 5 years. No monthly payments and no repayment if the household stays the full retention period. Os recursos vêm de FHLB e Federal.

Workforce Initiative Subsidy for Homeownership (WISH) é perdoado após 5 anos, então o comprador de imóvel que permanecer esse tempo não o devolve. O reembolso é acionado por Sale, transfer, cash-out refinance, foreclosure, deed-in-lieu, or loss of owner-occupancy during the 5-year retention period. A ajuda é registrada como ônus em posição Recorded retention deed restriction (not a traditional subordinate lien); first mortgage remains in 1st position. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

Workforce Initiative Subsidy for Homeownership (WISH) é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: First-time-homebuyer rule waived for displaced homemakers and single parents per FHLB definition. Sobre crédito, o programa afirma: No published WISH-specific minimum; first-mortgage lender's credit standards apply. É exigido um curso de educação para compradores de imóveis, por meio de Housing Solutions of Northern Arizona. Requisito de residência: Property must be located in HSNA's service area (Coconino, Mohave, or Yavapai County per HSNA WISH listing) and occupied as primary residence; buyer must escrow within 12 months of WISH enrollment. Must be a first-time homebuyer (no ownership interest in a primary residence in the past 3 years). Household income at or below 80% of HUD AMI based on household size and county at time of WISH enrollment. Buyer must contribute a minimum of $2,000 or 1% of the purchase price (whichever is greater) of own funds to be matched 4:1. Must complete HUD-approved homebuyer education / pre-purchase counseling with HSNA. Must enroll in the WISH program PRIOR to closing and open escrow within 12 months of enrollment. Property must be in HSNA's service area (Coconino, Mohave, or Yavapai County per HSNA's WISH service description) and used as primary residence. A 5-year retention deed restriction is recorded; sale, transfer, refinance with cash out, foreclosure, or loss of owner-occupancy during the retention period triggers pro-rata recapture of unforgiven subsidy. Subject to availability of the 2026 FHLBank San Francisco WISH allocation - the 2026 round is $13M nationally and is typically reserved on a first-come, first-served basis through participating member banks.

Workforce Initiative Subsidy for Homeownership (WISH) limita a renda familiar a 80% da renda mediana da região, que varia conforme o condado e o tamanho da família. Household income at or below 80% of HUD Area Median Income (AMI) for the buyer's county of purchase, adjusted for household size, as of WISH enrollment. Coconino County FY2025 80% AMI 4-person is approximately $84,150; Mohave / Yavapai limits are lower. The seed PDF income range $35,880-$84,162 spans the 30%-80% AMI brackets across HSNA's service area. O limite vale para a renda total da família, não só a do mutuário. 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.

Workforce Initiative Subsidy for Homeownership (WISH) pode ser usado para Single-Family, Townhome, Condo e Manufactured. Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

Workforce Initiative Subsidy for Homeownership (WISH) atende compradores de imóveis que compram em Condado de Multiple, Arizona.

As inscrições para Workforce Initiative Subsidy for Homeownership (WISH) 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 Reserved through HSNA on a first-come, first-served basis; HSNA enrolls eligible buyers in WISH via FHLBank San Francisco's Community Investment Portal once a signed purchase contract is in place. 2026 nationwide allocation: $13M (FHLB SF). May be exhausted mid-year. 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.