From qualification to closing, Hoper follows a clear process

How It Works

Hyrum starts by confirming the file, then helps the buyer and lending team understand each step before funds are released at closing.

Easy enrollment and swift turn around in as easy as six steps

Process

Enroll | Receive | Stay connected

1. Connect with Hyrum
Reach out to Hyrum to confirm home-buyer eligibility.
2. Complete enrollment
Review/sign enrollment documents and complete the required pre-closing education course.
3. Money is sent to title
Once the file is ready, assistance is prepared and sent to title for closing coordination.
4. Funds release at closing
Buyer can use eligible funds as needed for DPA, debt payoff, closing costs, rate buydown, or replenish reserves.
5. Complete post-closing education
A post-closing financial education course supports long-term stability after the purchase.
6. Stay in touch
Simple annual survey follow-ups help track program outcomes without adding complexity for the buyer.

The FHA SWT policy

Policy structure allows financing Hoper into the loan while preserving program mechanics for buyers.

Policy-compliant structure
Home and owned solar system are combined into one FHA loan in a compliant structure.
No second lien
The structure is not secondary financing, so no second lien is required.
Rate preserved
The buyer preserves their same low FHA rate.

Start with a conversation

Call Hyrum or schedule a time that works best for you. We'll walk through your specific situation with complete transparency.