Home Ownership Program for Employees (HOPE)

Home Ownership Program for Employees (HOPE)是面向San Antonio，Texas购房者的可免除贷款。 City of San Antonio employer-assisted DPA program providing up to $20,000 forgivable second mortgage exclusively for City of San Antonio full-time employees. 0% interest, 10-year forgiveness, owner-occupied within Bexar County. City of San Antonio's Home Ownership Program for Employees (HOPE) provides up to $20,000 in down payment and closing cost assistance to active full-time City of San Antonio employees purchasing a home within Bexar County. The loan is a deferred 0% second mortgage forgiven on a pro-rata basis over 10 years of continued owner-occupancy and continued City employment requirements. Funds may be used for down payment, closing costs, prepaids. 资金来自Local和Employer Assisted。

Home Ownership Program for Employees (HOPE)在10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：Pro-rata forgiveness over 10 years和balance recaptured if sold, refinanced, or non-occupied during term. 该援助以2nd Lien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 Program for Employees (HOPE)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; lender overlay may apply. 须参加购房者教育课程，由HUD-approved 8-hour homebuyer education required; SA-area providers include Alamo Community Group, Family Service Association, NHS San Antonio.提供。 居住要求：Property within Bexar County; primary residence. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien. RESTRICTED TO ACTIVE FULL-TIME CITY OF SAN ANTONIO EMPLOYEES. Property must be within Bexar County; primary residence. 8-hour HUD-approved homebuyer education required. Minimum $500 borrower contribution. 620 FICO. Owner-occupancy required throughout forgiveness term. Recorded second deed of trust. Eligibility verification of City employment required at application; certain provisions may apply if employment terminates during forgiveness period.

Home Ownership Program for Employees (HOPE)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。 Income limits typically up to 120% AMI San Antonio MSA; verify current schedule with NHSD. 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 Program for Employees (HOPE)的房价上限如下：Per NHSD acquisition cost limits / HUD HOME 95% AMP where applicable. 符合条件的房屋类型包括Single-family detached, townhouse, condominium, PUD和1-unit only. 新建房屋符合条件。 预制房屋不符合条件。

Home Ownership Program for Employees (HOPE)服务于在San Antonio，Texas购房的购房者。

Home Ownership Program for Employees (HOPE)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Apply through NHSD; subject to fund availability.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。