Glenda Queensbury
Referral Realty

1777 Hamilton Ave., Suite 1120, San Jose, CA 95125

California Home Buyer Programs & Useful Links:
Download 1003 -  Fannie Mae General Loan Application Form
This is the form used by most lenders when applying for a loan
8 Hour Homebuyer Education Certification: Mosthome
buyer programs require that an 8 hour home buyer class be completed prior
to funding.  Please note that some programs do NOT accept online training
certificates. Here are a few local HUD certified training sources:
Project Sentinel
Unity Council (Spanish Classes available)
Call to confirm dates of classes.  Registration required.
!!!CalHFA Moderate Income Limits!!! - these limits
vary by county and are used as the maximum allowed income
limits by the majority of the home buyer programs in
California
http://www.calhfa.ca.gov/homeownership/limits/income/income-moderate.pdf
CalHFA First Time Home Buyer Programs
Special Loans for First Time Home Buyers and/or Veterans purchasing
homes in California (includes CHDAP Down Payment Assistance Program
and Closing Cost assistance). Additional special programs for Teachers
purchasing newly constructed homes.
http://www.calhfa.ca.gov
CalPERS Home Loan Programs
Loan programs for individuals who have a CalPERS retirement account.  Currently not available.
https://www.calpers.ca.gov/page/home
CalSTRS Home Loan Programs  
Loans for home buyers who have a CalSTRS retirement account.  Currently not available
http://www.calstrs.com/Members/Home%20Loan%20Program/index.aspx
CalVET Home Loan Programs
Home loans and Home Buyer Programs especially for veterans
purchasing homes in California.
https://www.calvet.ca.gov/

Fannie Mae
http://www.fanniemae.com/portal/index.html


Homepath & Homepath Renovation Loan Programs (for 
Fannie Mae REO's)
http://www.homepath.com/financing/index.html

Santa Clara County Home Buyer Programs & Down Payment Assistance:
County of Santa Clara County - Office of
Affordable Housing
2310 No. First Street, # 100
San Jose, CA 95131
Phone: (408) 441-4323

Santa Clara County First Time Home Buyer Programs & Down
Payment Assistance:
Santa Clara County MCC Program  Program gives first-time home
buyers a federal income tax credit of up to 15% of the interest paid on
their 1st mortgage loan each year the home-buyer keeps the same
mortgage loan and lives in the same property as their primary residence.

SCC40K First Time Home Buyer Program   $40k for Down Payment
or Closing Cost assistance for use in Campbell, Cupertino, Los Altos,
Los Altos Hills, Los Gatos,  Monte Sereno, Morgan Hill, Saratoga, and
the unincorporated areas of Santa Clara County
Housing Trust of Santa Clara County
95 S. Market St., Suite 550
San Jose, CA 95113
Phone: (408) 436-3450
http://www.housingtrustscc.org

South County Housing
7455 Carmel St.
Gilroy, CA 950208
Phone:  (408) 842-9181
info@scounty.org

http://www.scounty.org/

BMR (Below Market Rate) New construction homes in Aptos
("Canturbury Park"), Gilroy ("Alexander Place"), Morgan Hill ("Madrone
Plaza"), and Hollister for first time home buyers.  

PLEASE NOTE: you must let them know that you are working with a
Realtor (provide agent's name), or they may assign one to you.

 City of Santa Clara

1500 Civic Center Drive
Santa Clara, CA 95050
Phone: (408) 615-2490

Santa Clara First Time Home Buyer Program / Down Payment 
Assistance:

http://santaclaraca.gov/index.aspx

Up to $75K Down Payment Assistance in the form of a 2nd loan at 0% 
interest & no payments year 1-5, fixed  payments year 6-20 (at rate of 1st 
loan) for 1st time home buyers purchasing in the city of Santa Clara. Min 3% down payment funds must come from buyer.


City of Campbell
Campbell Redevelopment Agency City Hall - Lower Level
70 North First Street
Campbell, California 95008
Phone: (408) 866-2137

http://www.campbellca.gov/


Campbell First Time Home Buyer Programs & Down Payment
Assistance:
http://www.ci.campbell.ca.us/building/Housing.htm

City of Cupertino
see web link for contact info

Cupertino Home Buyer Programs
http://www.cupertino.org/index.aspx?page=301
City of Gilroy
Gilroy City Hall
7351 Rosanna Street
Gilroy, CA 95020
Tel. (408) 846-0400
Fax. (408) 846-0500
City Hall Office Hours:
Monday-Thursday 8:00 a.m. to 5:00 p.m.
http://www.cityofgilroy.org/cityofgilroy/

Gilroy First Time Home Buyer Programs / Down Payment
Assistance
Phone: (408) 408-846-0242
http://www.cityofgilroy.org/cityofgilroy/city_hall/community_developmen
t/planning/housing/homebuyer_assistance/default.aspx

Town of Los Gatos
Community Development Department
Phone (408) 354-6874

http://www.losgatosca.gov/index.aspx


Los Gatos First Time Home Buyer Programs
http://www.losgatosca.gov/index.aspx?NID=345
Check city site regularly for BMR (below market rate) unit availability at:
Housing Authority of the County of Santa Clara

City of Morgan Hill
17575 Peak Avenue
Morgan Hill, CA  95037
Tel: (408) 778-6480
http://ca-morganhill.civicplus.com/index.aspx?NID=1


City of Mountain View
http://www.ci.mtnview.ca.us/default.asp


Mountain View Home Buyer Programs:
BMR units
http://www.ci.mtnview.ca.us/city_hall/community_development/preservation
/home_buying.asp

Mountain View City Employee Home Buyer Program
http://www.ci.mtnview.ca.us/news/displaynews.asp?NewsID=498&targetid=35
City of San Jose - Department of Housing
200 East Santa Clara Street
San José, CA 95113
Phone:(408) 535-3860

San Jose First Time Home Buyer Programs & Down Payment
Assistance
http://www.sjhousing.org/program/homebuyer.html
San Jose Home buyer programs for first time home buyers purchasing
new or existing homes in the city of San Jose. Includes:  
BEGIN (Down payment assistance for new home developments: The
88, Axis, Modern Ice, The Works, Villa Fontanas)
"San Jose Dream Home" Neighborhood Stabilization Program - Down
Payment assistance program for homes renovated by city of San Jose
developer partners in NSP census tracts
Teacher Home Buyer Program (THP) Programs for K-12 teachers
teaching within City of San Jose or schools where 50% or more of
students reside in San Jose
Welcome Home

Quick reference guide
http://www.sjhousing.org/program/HB/QuickRef.pdf

 





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