HOPE Affordable Housing Program

HOPE Affordable Housing Program是面向Alabama购房者的第一抵押贷款，由Hope Credit Union (Hope Enterprise Corporation)管理。 HOPE's Affordable Housing Program is a fixed-rate first mortgage for low- to moderate-income borrowers across the Deep South, including Alabama. It offers 100% financing on homes up to $350,000 (97% up to $425,000), no PMI, credit scores as low as 580, and nontraditional credit. Down payment and closing-cost assistance may be available based on availability and location. Up to 100% financing (no money down) up to $350,000. No PMI. Credit scores as low as 580. Nontraditional credit accepted. DPA based on availability/location. Competitive fixed rates. 资金来自Hope Credit Union / Hope Enterprise Corporation (CDFI)。

HOPE Affordable Housing Program是第一抵押贷款，按Hope Credit Union (Hope Enterprise Corporation)设定的条款偿还。 该援助以first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。

HOPE Affordable Housing Program面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：Minimum 580; nontraditional/alternative credit accepted (at least 3 lines verified over 12 months); medical collections not counted。 须参加购房者教育课程。 Minimum 580 credit score, primary residence, approved homebuyer education course, income at or below 120% AMI in non-target areas (no limit in target areas). DPA dollar amount not published (varies by availability/location).

HOPE Affordable Housing Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 No income limit when purchasing in HUD-designated target areas; up to 120% of area median income (AMI) in non-target areas. 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。

HOPE Affordable Housing Program可用于Single Family。

HOPE Affordable Housing Program服务于在Alabama任何地方购房的购房者。 该项目针对特定区域：HUD-designated target areas have no income limit; non-target areas capped at 120% AMI。

HOPE Affordable Housing Program的申请通过Hope Credit Union (Hope Enterprise Corporation)办理，该机构在其网站上公布现行条款和申请步骤。 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。