HomeBuyer Programs

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 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://santaclara.networkofcare.org/mh/services/agency.aspx?pid=SouthCountyHousing_356_2_0 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 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 https://www.mountainview.gov/default.asp Mountain View Home Buyer Programs: BMR units http://www.ci.mtnview.ca.us/city_hall/community_development/preserv ation /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