HomeOwnership Program Financing (HOP)

HomeOwnership Program Financing (HOP)是面向Reading，Pennsylvania购房者的补助金。 The HomeOwnership Program (HOP) is NHS Greater Berks's signature portfolio first-mortgage product. NHS originates, underwrites, and services HOP loans in-house using portfolio-lending guidelines that consider full credit history, alternative tradelines, and household budget rather than scorecard-only underwriting. HOP is intended for buyers who cannot qualify for FHA / VA / USDA / Conventional financing through traditional channels but who have demonstrated capacity to repay through NHS counseling. HOP can be paired with NHS's Closing Cost Assistance Loan (CCAL) to cover closing costs. NHS Greater Berks's flagship in-house first-mortgage product. The HomeOwnership Program (HOP) is a portfolio first-mortgage loan offered by NHS, designed for credit-worthy buyers who do not qualify for FHA, VA, USDA, or Conventional financing through traditional channels. HOP includes paired closing-cost and down-payment financing flexibility and is fully servicer-retained by NHS. 资金来自NHS CDFI capital、PHFA Housing Trust Fund、FHLB AHP和Local Government。

HomeOwnership Program Financing (HOP)属于补助金，因此无需偿还。 触发还款的情形：Standard monthly amortization over the loan term和due on sale, refinance, or transfer. 该援助以1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。

HomeOwnership Program Financing (HOP)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：620 minimum FICO; alternative-credit borrowers considered case-by-case。 须参加购房者教育课程，由NHS Greater Berks HUD-approved housing counseling program; pre-purchase 8-hour homebuyer education and one-on-one counseling required.提供。 居住要求：Property must be located within NHS Greater Berks's Berks County / Reading service area and be the buyer's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen。 Buyer must apply directly to NHS Greater Berks, occupy the property as primary residence, complete NHS pre-purchase counseling and 8-hour homebuyer education, and meet a 620 minimum FICO. Household income approximately $52,500 to $129,872 (Reading, PA MSA AMI tiers). Property must be located in NHS Greater Berks's Berks County / Reading service area. NHS underwrites HOP using portfolio guidelines that consider full credit history, alternative tradelines, and household budget.

HomeOwnership Program Financing (HOP)将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 Household income approximately $52,500 (1-person) up to $129,872 (8-person, ~140% Reading MSA AMI). Limits updated annually. 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。

HomeOwnership Program Financing (HOP)的房价上限如下：Tracks NHS Greater Berks portfolio underwriting guidelines。 符合条件的房屋类型包括Single-family detached、Townhouse、Condominium和2-4 unit (owner-occupied)。 新建房屋符合条件。 预制房屋不符合条件。

HomeOwnership Program Financing (HOP)服务于在Reading，Pennsylvania购房的购房者。 该项目针对特定区域：Berks County, PA and the City of Reading。

HomeOwnership Program Financing (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Direct-to-NHS application; first-come, first-served subject to NHS portfolio capacity.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。