Allentown Home Ownership Outreach Program (HOOP)

Allentown Home Ownership Outreach Program (HOOP)是面向Allentown，Pennsylvania购房者的可免除贷款，由Neighborhood Housing Services of the Lehigh Valley, Inc.管理。 The Home Ownership Outreach Program (HOOP) provides down payment and closing-cost assistance to first-time homebuyers purchasing in Lehigh and Northampton Counties (including Allentown, Bethlehem, and Easton). Assistance is a soft second mortgage forgiven 20% per year and fully forgiven after five years of owner-occupancy. Buyers must obtain a first mortgage from a participating lender and complete HUD-approved counseling through CACLV. Administered by Neighborhood Housing Services of the Lehigh Valley. Forgivable soft second (20%/yr, fully forgiven after 5 years). No monthly payments. 0% interest. Covers down payment and closing costs. Layers with PHFA first-mortgage products. 资金来自City of Allentown HOME/CDBG funds and other federal/local sources via NHS of the Lehigh Valley。

Allentown Home Ownership Outreach Program (HOOP)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, or loss of owner-occupancy during the 5-year forgiveness period; forgiven 20%/yr, fully forgiven after 5 years。 该援助以Second mortgage (soft second; may be third lien when layered)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。

Allentown Home Ownership Outreach Program (HOOP)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：Not having owned a home in the last 3 years。 关于信用，该项目说明：Acceptable credit required (no published numeric minimum)。 须参加购房者教育课程，由HUD-approved pre-purchase education via Community Action Lehigh Valley (CACLV)提供。 First-time buyer = no home ownership in last 3 years. Requires a first mortgage from a bank of choice, acceptable credit, ~2 years verifiable employment, and at least $1,700 held 90+ days. Must attend CACLV counseling.

Allentown Home Ownership Outreach Program (HOOP)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 at or below 80% AMI (HUD limits for Allentown-Bethlehem-Easton MSA). By-household-size dollar figures not published on the program page. 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。

Allentown Home Ownership Outreach Program (HOOP)可用于Single Family、Townhouse和Condo。

Allentown Home Ownership Outreach Program (HOOP)服务于在Allentown，Pennsylvania购房的购房者。

Allentown Home Ownership Outreach Program (HOOP)的申请通过Neighborhood Housing Services of the Lehigh Valley, Inc.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。