Home Opportunity Program (HOP)

Home Opportunity Program (HOP)是面向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县，Alaska购房者的可免除贷款。 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. 资金来自Federal HOME Investment Partnerships Program (HUD), passed through Alaska Housing Finance Corporation (AHFC) to Alaska CDC as HOP intermediary。

Home Opportunity Program (HOP)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：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和the balance above $10,000 (if any) is due in full upon sale, transfer, or refinance. 该援助以2nd (subordinate to primary mortgage); secured by Note and Deed of Trust顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Home Opportunity Program (HOP)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：Buyer must not own another home at time of HOP assistance; HOP-assisted home must be the only home owned by the buyer. 关于信用，该项目说明：Not published; lender determines credit eligibility under standard underwriting principles for the primary loan. 须参加购房者教育课程，由HUD-approved housing counseling agency (homebuyer education class required prior to closing)提供。 居住要求：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. 公民身份或移民身份：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)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 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. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Home Opportunity Program (HOP)的房价上限如下：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. 符合条件的房屋类型包括Single-family detached homes, condominiums, townhomes (must meet HUD/HOME property standards and be non-luxury). Manufactured homes permitted if meeting HOME property standards. 新建房屋符合条件。 预制房屋符合条件。

Home Opportunity Program (HOP)服务于在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县，Alaska购房的购房者。 该项目针对特定区域：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)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过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.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。