Workforce Initiative Subsidy for Homeownership (WISH)

Ang Workforce Initiative Subsidy for Homeownership (WISH) ay isang loan na mapapatawad para sa mga bibili ng bahay sa Multiple County, 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. Ang pondo ay mula sa FHLB at Federal.

Pinapatawad ang Workforce Initiative Subsidy for Homeownership (WISH) pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Sale, transfer, cash-out refinance, foreclosure, deed-in-lieu, or loss of owner-occupancy during the 5-year retention period. Nakatala ang tulong bilang lien sa posisyong Recorded retention deed restriction (not a traditional subordinate lien); first mortgage remains in 1st position. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang Workforce Initiative Subsidy for Homeownership (WISH) sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": First-time-homebuyer rule waived for displaced homemakers and single parents per FHLB definition. Tungkol sa credit, sinasabi ng programa: No published WISH-specific minimum; first-mortgage lender's credit standards apply. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Housing Solutions of Northern Arizona. Requirement sa paninirahan: 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.

Nililimitahan ng Workforce Initiative Subsidy for Homeownership (WISH) ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Magagamit ang Workforce Initiative Subsidy for Homeownership (WISH) para sa Single-Family, Townhome, Condo, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Workforce Initiative Subsidy for Homeownership (WISH) ang mga bibili ng bahay sa Multiple County, Arizona.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Workforce Initiative Subsidy for Homeownership (WISH), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng 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. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.