The Baldwin County Grant That Isn't a Loan: HAP, Explained
from Keys and Clarity Hosted by Katie Ragland
There's a Baldwin County program that can put up to $85,000 toward buying a home — and it's not money you pay back. In this episode, Katie Ragland breaks down the Homeownership Assistance Program (HAP) in plain English: what it is, why the "it's a grant, not a loan" distinction changes everything, who it's generally built for, and what the process actually looks like from the homebuyer education class to lender pre-approval. If affordability has been the one thing standing between you and a home on the Gulf Coast, this is the door a lot of buyers don't realize is open. Katie also explains where the funding comes from (federal disaster recovery dollars tied to Hurricanes Sally and Zeta), why that shapes who qualifies, and how to confirm the official details before you build a plan around it. Questions about buying in Foley, Elberta, Gulf Shores, or anywhere across Baldwin County? Call or text Katie at 256-366-6974, or visit linktr.ee/katieraglandrealtor®. Katie Ragland, Realtor® · Real Broker, LLC.
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