Rural Owner-Occupied Loan Program (ROOL)

Rural Owner-Occupied Loan Program (ROOL)是面向Statewide，Alaska购房者的第一抵押贷款，由Alaska Housing Finance Corporation (AHFC)管理。 AHFC's Rural Owner-Occupied Loan provides financing to purchase, renovate, or construct (owner-built) owner-occupied housing in small/rural Alaska communities. It offers a reduced rural interest rate on the first $250,000 of the loan, with the excess priced at the rural rate plus 1%. Commercial use is allowed only on single-family homes, limited to 25% of gross floor area. Reduced rural interest rate on first $250,000. Available for purchase, renovation, or owner-built new construction. Stackable rate-reduction options (RELP, energy efficiency, low-income, state veterans preference). 资金来自AHFC corporate/loan fund (non-MRB; not tax-exempt bond)。

Rural Owner-Occupied Loan Program (ROOL)是第一抵押贷款，按Alaska Housing Finance Corporation (AHFC)设定的条款偿还。 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。

Rural Owner-Occupied Loan Program (ROOL)面向将房屋作为主要住所自住的购房者。 Current rural rate 5.875% (30-yr) per AHFC rate sheet valid 06/08/2026. Base program has NO income limit and NO acquisition-cost limit. Veterans use the State Veterans Interest Rate Preference option on top of this loan (no separate Rural Veterans program). Not confirmed (blank): min_credit_score, max_dti.

Rural Owner-Occupied Loan Program (ROOL)的收入限制如下：No income limit on the base Rural Owner-Occupied loan. An income limit applies only if the borrower elects the optional Rural Enhanced Loan Program (RELP) rate reduction (eff. 06/01/2026, by household size 1-8): 100% level 4-person ~$126,050 most areas (Denali $146,200; Skagway $129,200; Ketchikan $127,400; Aleutians West $139,000); 80% level 4-person ~$95,750. RELP reduction applies to first $200,000 of loan. 该限制适用于家庭总收入，而不仅是借款人的收入。 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。

Rural Owner-Occupied Loan Program (ROOL)的房价上限如下：No acquisition-cost limit (governed instead by AHFC loan-amount limits). 符合条件的房屋类型包括Single Family、Condo、Common Interest Community Unit、Duplex、2-4 Unit和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Rural Owner-Occupied Loan Program (ROOL)在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Rural Owner-Occupied Loan Program (ROOL)服务于在Statewide，Alaska购房的购房者。 该项目针对特定区域：Small communities only: population <=6,500 if NOT connected by road/rail to Anchorage or Fairbanks; OR population <=1,600 if connected by road/rail and at least 50 statute miles outside Anchorage or 25 statute miles outside Fairbanks (excludes the Alaska Marine Highway System). Defined by AS 18.56.600 and 15 AAC 152.990.

Rural Owner-Occupied Loan Program (ROOL)的申请通过Alaska Housing Finance Corporation (AHFC)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Lender reserves/locks via AHFC daily-posted rates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。