Program Highlights
📍 Los Angeles County – HOP Program
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Up to $85,000 or 20% of the purchase price (whichever is less)
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0% interest, no monthly payments
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Repayment only when the home is sold or ownership changes
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If sold within 5 years, 20% of the home’s appreciation must also be repaid
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Income Limits:
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HOP80: ≤ 80% AMI
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HOP120: ≤ 120% AMI
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Max Purchase Price:
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HOP80: $700,000
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HOP120: $850,000
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Minimum Borrower Contribution: 1%
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Primary Residence Only
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First-Time Homebuyer education course required (8 hours)
📍 Santa Clara County – Empower Homebuyers Program
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Up to $250,000 or 30% of the purchase price
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0% interest, no monthly payments
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Repayment due at sale, refinance, or loan maturity
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Borrower repays assistance plus a portion of home value appreciation
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Minimum FICO: 620
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Max LTV: 95%
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Fixed Rate Loans (15 or 30 Years)
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Primary Residence Only
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For First-Time Homebuyers
📞 Questions?
Email us at [email protected] or call (626) 678-0777.
We’re here to help you find the right program and take the next step toward homeownership.