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The applicant is responsible for the lender required down payment. The program requires that a minimum of 1% of the lender required down payment be from the applicant's own funds. For more information, call Neighborhood Services at 661-267-5126.
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Visit the Neighborhood Stabilization page to see if applications are available, then view the application process, homebuyer qualifications, and key points. You may also contact the Neighborhood Services by emailing Housing Division or calling 661-267-5126.
Yes, credit worthiness is considered in the approval process. A minimum 620 credit score is required. For more information call Neighborhood Services at 661-267-5126.
Only homes that have been purchased and rehabilitated by the City through the Neighborhood Stabilization Program are eligible.
The HAP loan is a no interest loan, with no monthly payments. After 15 years, if the borrower is in compliance, the loan is forgiven. View the Neighborhood Stabilization Program webpage for more information.
If you refinance with cash out or sell the home, you will be required to pay the HAP Promissory Note. But, if after 15 years you still own, occupy the home, and are in compliance, the loan will be forgiven.