You don’t need a higher credit score.
Your mortgage rate does not change.
There are no second liens or hidden tradeoffs.
Eligible homebuyers can earn up to 3.5% of the purchase price, up to $13,000, before closing. This earned income can be used to:
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This is earned, taxable income tied to participation in the Hoper homeownership research.
When you close on your home, you do so with more financial reserves and more confidence.
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Too many buyers focus only on qualifying for the loan. We focus on helping you qualify and succeed after closing.
Through the Hoper framework, you complete structured home buyer education before closing and commit to financial mentorship after you move in.
The Hoper Program supports buyers at different stages of their homeownership journey. Whether you’re entering the market for the first time, buying your next property, or refinancing your current home, the program is designed to strengthen your financial position along the way.
It’s for buyers who want:
If you’re already qualifying for an FHA mortgage, there’s a strong chance you may be eligible to participate in the Hoper program.
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The process is simple and structured.
You complete pre-closing homebuyer education online at your own pace. You enroll in post-closing financial mentorship designed to help you build emergency reserves, manage debt, and plan for long-term growth. You respond to periodic surveys so Hoper can study long-term outcomes.
In return, you earn up to 3.5% of your purchase price and gain access to additional financial and tax guidance connected to solar ownership.
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Homeownership should not begin with zero savings.
The Hoper program was created to give buyers a stronger start and to study how that stronger start impacts long-term success.
Whether you're preparing to qualify or already approved, Hoper helps you move toward homeownership with greater confidence.
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