The Hoper Program: Own your home and power it too—with up to 120% financing and no out-of-pocket solar costs.
If you’re renting, watching someone else build equity, or wondering whether you’ll ever qualify for a mortgage — you’re exactly who we help.
Do any of these sound familiar?
You’ve done the hard work — renting month after month, saving what you can, watching prices climb. What if this year you moved into a home you own, rather than one you rent? The Hoper Program opens that possibility.
Buying your home should be more than just getting the keys—it should set you up for lasting financial freedom.
That’s why the Mortgage Guy360 Team at Select Rate Mortgage utilizes the Hoper Program—a first-of-its-kind FHA home loan option that lets you add solar power directly to your mortgage.
Program Highlights:

Led by Reg Gustin and the Mortgage Guy360 team, we’ve helped many first-time buyers just like you step into homeownership. Here are the initial steps:
“I know how discouraging it feels—I once helped a renter with little savings move into their first home in under 60 days.” Reg Gustin, Mortgage Guy360 at Select Rate Mortgage
Here’s what happens if you wait - Keep renting another year, and you might pay thousands more in rent—with nothing to show for it, while home prices continued to rise. Build your wealth!

Complete a short online course, earn up to $13,000, and enjoy built-in utility savings with solar included in your mortgage. No extra upfront cost.
No confusion. Just a clear path to homeownership.
" Get paid to become a smarter homeowner."
A Smarter Way (pdf)
Download Ready to take the next step?
Schedule a quick call to review your options with the Hoper Program. We’ll discuss your goals, answer your questions, and outline a simple plan to get you moving toward homeownership.
Reg Gustin NMLS# 249410 Licensed Arizona & Texas
10150 Centennial Pkwy, Suite 120, Sandy UT 84070 NMLS# 2689817
Copyright © 2025 Mortgage Guy 360 - All Rights Reserved.
© 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.
NMLS Consumer Access: NMLS 1850
*AZ BK 0906702
* Not Available in New York
* Texas mortgage banker disclosure consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department's website at www.sml.texas.gov.
Select Rate Mortgage by American Pacific Mortgage
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