HOPER Borrower Assistance Program Overview


What is the Hoper program?

The HOPER (Home Ownership, Promotion, Education, and Research) Program is an FHA-backed initiative designed to assist homebuyers by offering financial incentives and promoting energy efficiency. Qualified participants can receive up to $13,000 (3.5% of the home purchase price) to use toward down payments, closing costs, or other expenses. In return, participants commit to making their new homes energy-efficient, primarily by installing solar panels, which are financed within their FHA loan.

Key Benefits of the HOPER Program:

  • Financial Incentive: Receive up to $13,000 to assist with home purchase expenses.
  • Energy Efficiency: Incorporate solar panels into your new home, leading to potential long-term savings on energy bills.
  • Tax Advantages: Benefit from a 30% federal tax credit on the cost of solar installation.
  • Increased Home Value: Homes equipped with solar panels may see an increase in property value.

Important Program Disclosures:

Incentives, credits, or assistance described on this site (including the “up to $13,000” / 3.5% benefit) are subject to eligibility, program availability, and change without notice. Not all applicants will qualify. Program terms, conditions, and availability may vary based on borrower eligibility, property type, and loan program selected. Contact us directly for the most current information.

This information is not a commitment to lend or extend credit. All mortgage loan applications are subject to credit approval, underwriting guidelines, and property approval. Restrictions may apply.

John Backer, Mortgage Loan Originator, NMLS #2745386
Sunstreet Mortgage – A Division of American Pacific Mortgage Corporation NMLS #1850
Branch NMLS #2413802 | AZ BK 0906702
NMLS Consumer Access


Eligibility Requirements:

  • Purchase a single-family primary residence.
  • The HOPER Program is available in all states except for North Dakota, South Dakota, Alabama, Hawaii, and Alaska.
  • Perfect credit not required.
  • Completion of a 6-8 hour online homebuyer education course.
  • Agreement to install solar panels, financed through the FHA loan, within a specified timeframe after closing.

How the Program Works:

  1. Pre-Approval: Prospective homeowners must get pre-approved for an FHA mortgage loan through a participating lender.
  2. Education: Complete a self-paced online homebuyer education course before closing on the loan.
  3. Incentive: Receive up to $13,000 (or 3.5% of the purchase price) as a cash incentive, which can be used for down payment, closing costs, or other expenses.
  4. Solar Installation: Meet with a HOPER consultant to design a solar panel system, with the full cost rolled directly into the mortgage, requiring $0 out of pocket.

By participating in the HOPER Program, homebuyers not only receive substantial financial assistance but also contribute to a more sustainable environment through the adoption of renewable energy sources.

To learn more, complete the contact us below, and we will help connect you with a resources to guide you through the process.

Accessibility Statement:

https://cdn2.hubspot.net/hubfs/450717/compliance%20notices/APM%20Accessibility%20Statement.pdf

John Backer
Mortgage Loan Originator | Sunstreet Lending
NMLS #2745386

Office: 520.625.9493 | Cell: 520.519.9449
Email: JBacker@SunstreetMortgage.com
Address: 180 W Continental Rd Ste 150, Green Valley, AZ 85622

Sunstreet Mortgage – A Division of American Pacific Mortgage Corporation NMLS #1850
Branch NMLS #2413802 | AZ BK 0906702 - Licensed by the Arizona Department of Financial Institutions
NMLS Consumer Access

Equal Housing Opportunity

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© (2025) American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.