Home Ownership Pool (HOP) - City of Wilmington

Home Ownership Pool (HOP) - City of Wilmington是面向Wilmington，North Carolina购房者的第二抵押贷款，由City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division管理。 The City of Wilmington, in partnership with local banks, offers the Home Ownership Pool (HOP), a city-administered second-mortgage down payment assistance loan program for low-to-moderate income households unable to qualify for a conventional mortgage under standard underwriting. HOP provides up to $25,000 in down payment assistance. The property must be purchased within the city limits of Wilmington. Homebuyer Education is the first step; applications are accepted on an ongoing basis. Up to $25,000 in down payment assistance. Second-mortgage gap financing for buyers who cannot qualify for a conventional mortgage. Stackable with HOP 2gether, CPLP, and other DPA programs. Free homebuyer education and one-on-one HUD-certified housing counseling. Applications accepted on an ongoing basis. 资金来自Partner banks provide approximately $1 million annually; supplemented by City of Wilmington General Funds appropriated to the Housing Loan Funds and federal HUD CDBG and HOME funds.

Home Ownership Pool (HOP) - City of Wilmington提供最高$25,000的援助。 该项目可与HOP 2gether, CPLP, and other down payment assistance loan programs结合使用。 金额是该项目公布的上限，并非报价——具体每人的援助金额由City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division决定。

Home Ownership Pool (HOP) - City of Wilmington是第二抵押贷款，按City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division设定的条款偿还。 该援助以Second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 Ownership Pool (HOP) - City of Wilmington面向将房屋作为主要住所自住的购房者。 须参加购房者教育课程，由City of Wilmington Community Development Home Buyer Education classes (certificate valid two years); topics include credit, working with a real estate agent, fair housing, shopping for a home loan, and inspections.提供。 居住要求：Property must be purchased within the city limits of Wilmington. This City of Wilmington HOP is administered by the City and restricted to homes inside Wilmington city limits; it is DISTINCT from the New Hanover County Home Ownership Pool already in the catalog. Applicant must complete City Home Buyer Education before becoming HOP-eligible; household income at/below 80% AMI for the Wilmington Metro Area. Application requires the City Housing Programs Application plus a HOP Addendum with credit report, pay stubs, bank statements, and two years of tax returns. Exact 4-person income dollar limit, credit score, DTI, interest rate, term, and purchase-price cap were not extractable from the scanned source PDF and were left blank rather than guessed.

Home Ownership Pool (HOP) - City of Wilmington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。 Households at or below 80% of Area Median Income (AMI) for the Wilmington Metro Area, using HUD HOME Program income limits adjusted for household size (2025 limits). 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。

Home Ownership Pool (HOP) - City of Wilmington可用于Single Family。 新建房屋符合条件。

Home Ownership Pool (HOP) - City of Wilmington服务于在Wilmington，North Carolina购房的购房者。

Home Ownership Pool (HOP) - City of Wilmington的申请通过City of Wilmington Housing & Neighborhood Services Department, Community Development & Housing Division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。