AMMON HANNEMANN - Your Advocate for AHA + HOPER
Process
Discover the easy step by step process of how to get your client to the finish line of Home Ownership
FIRST STEP
INTRODUCE BORROWER TO HOPER
Hey "Buyer",
I wanted to quickly reach out and suggest a program. Looking at your file, I believe some extra funds could be pretty helpful. Our partner, Hoper, helps buyers earn 3.5% of purchase price or up to $13,000 cash for taking two simple courses and including low cost solar into the mortgage. Borrowers also get $4K-$9K in tax benefits. It has helped a lot of our borrowers make the transaction much easier.
Do you mind if I throw you in a group email with our corporate contact for the Hoper program so you can see how much they can help you earn?
step two
INTRODUCE BORROWER TO AMMON
Email me [email protected] this information for the borrower
Name
Email
Phone Number
Purchase Price
Address (If Applicable)
Or Submit Borrowers information below
step tHree
Ammon & Hoper Will Take Care of Education and Solar
My team and I will take part in
Answer Borrowers Questions
Get them Enrolled in Education
Finalize Solar Proposal with borrower
Send all Documents and Pricing to LO
If you would like to be on this call please let me know in Email or message.
step tHree
CLOSE
Money Is Wired Day of Close
Solar Is Installed 30-45 Day post Close
Hoper Will Take Part in ongoing education for Borrower
Step-Step Process
01
SEND HOPER INTRO TO BORROWER
02
INTRODUCE BORROWER TO AMMON
03
GROUP EMAIL STARTED TO VERIFY DOCS
Ammon will create a group email with your team and the Hoper team to verify documents
04
CLOSE OF ESCROW ๐๐
Money will be wired on the Day of closing
05
SOLAR INSTALLED
Solar will be installed 30-60 days post close faciliated by the HOPER team
06
ONGOING EDUCATION
Hoper team will facilitate the post close financial mentorship with borrower
1000+ Loan officers utilize Hoper
Some Questions & Answers
Frequently Q. & A.
Is this a gift or a grant to the borrower?
No, the funds are considered earned income, not a grant or gift. There is no repayment, no lien, and no refinance restrictions.
Does this change the borrowerโs interest rate or monthly payment?
The interest rate/monthly payment may be the same or similar to standard FHA financing. The benefit is a better structure and financial stability after closing.
Will there be a second lien or solar lien on the property?
No, there are no second liens, UCC filings, or third-party contracts.
Does the appraisal include the value of solar upgrades?
No. The appraisal must reflect the home value only. The appraiser may comment on the solar system, but solar is excluded from the appraised value.
Can this be used for refinances?
Yes, Hoper allows for rate/term refinances along with purchases
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