Welcome to the Homeownership Program
Whether you’re buying your first home or your next home, this program is designed to help make your dreams of homeownership a reality.
Homebuyers can now earn 3.5% of their home purchase price (up to $13,000) as a homebuyer incentive. In addition, participants are provided pre-closing education, post-closing financial mentorship, and built-in protection against utility rate increases in their new home.
How The Program Works
01
Get Pre-Qualified with a Lender of Your Choice
- Many lenders are available for you to select from.
02
Complete an Online Course
- Complete a 6–8 hour self-paced financial education course.
03
Receive Your Funds
- Once completed, you can receive up to $13,000 (3.5% of purchase price).
04
Protection Against Utility Rate Hikes
- Solar system helps reduce electricity costs and protects from increasing rates.
Who Qualifies
- Available in over 40 states nationwide
- Primary residence only
- First-time and non-first-time homebuyers eligible
- Condos and homes with existing solar panels are not eligible
Benefits You’ll Love
$13,000 Cash Incentive
Often used to help cover closing costs or replenish savings.
Utility Rate Savings
Bundle solar panels into the FHA loan and cut energy costs from day one.
Protection from Rate Hikes
Shields you from utility price hikes and provides predictable budgeting.
Same Great FHA Rates
Get the same great FHA rate as a normal FHA program.
Choose Your Plan
Foundation Plan
- What’s Included:
- 12-module online course + worksheets + Certificate of Completion + 1-hour personal planning session + HOPE 4 access + Private Facebook community”
Freedom Plan
- What’s Included:
- Everything in Foundation Plan + 2-hour personal planning session (one 2-hour session OR two 1-hour sessions) + Priority HOPE 4 referral + VIP community access + Email support
Program Requirements
- Complete a 6–8 hour online financial education course (before closing)
- Install a solar system (included in mortgage, no upfront cost)
- Enroll in post-closing financial mentorship
- Participate in surveys and soft credit monitoring
Disclaimer
Research participants earn 1099 income that is taxable to them. Qualifying participants may also receive an income tax credit, the amount(s) shown above reflect averages across the participant population, but the actual amount received will vary based on individual circumstances. The participant must include a solar system in the home purchase. HOPER recommends that program earnings be used for cash reserves after closing or to cover closing costs above and beyond the participant’s minimum statutory investment. AHA is not a lender, program participants must consult with their lender regarding how earnings may be used in accordance with the lender’s underwriting guidelines.