Loan Programs

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The DALP is a silent second loan that requires no monthly payments. When the property is sold or transferred, the owner pays Mayor OHCD back the principal amount of the loan, plus an equitable share of appreciation. 

https://sfmohcd.org/dalp

SFUSD, Police, Fire, and Sheriff staff can borrow up to $375,000 on a downpayment to buy a market rate home. Teachers, Paraprofessionals, Counselors, Deans, Nurses, Speech pathologists, Psychologists, Behavioral analysts, Social workers, Special education, Content specialists & Librarians

https://sf.gov/apply-first-responder-or-educator-loan-buy-home

Down Payment Resource Directory Tool

https://www.car.org/tools/downpaymentresource/

Loan programs for first time homebuyer

https://www.calhfa.ca.gov/index.htm

First Time Homebuyer Loans

https://www.heartofsmc.org/programs/homebuyer-assistance/

First Time Homebuyer Loans

https://www.californiaemployeeloans.com/

Eric Clenbenning 530-287-6333

Firefighters/EMS / Law Enforcement / Military / Healthcare Workers / Teachers

https://www.homesforheroes.com/

Shared equity with Landed

https://www.landed.com/how-it-works

Shared equity with Unison

https://www.unison.com/how_it_works_homeowner