Alameda & Santa Clara County Real Estate - First Time Home Buyer programs - Down Payment Assistance, veterans, teachers, CalHFA, CalVet, CalPERS

HOME BUYER PROGRAMS

There are several programs available to individuals seeking to purchase a pri

nciple

reside

nce.

If you have not had a mortgage on a

home for 3 years you are very likely classified as a "First Time Home Buyer

but

some

programs

are

also

available for individuals

seeking to purchase their next home. This is just a small sample of links to

available

home buyer programs

and down payment

assistance programs

(there are over 200 in CA!)

available to individuals who wish to

purchase home

s in

Alameda County

Santa

Clara County

There are programs based on

income, profession, residency, location of

employment, veteran status, and first time home

buyer

programs

. I would love to help you discover all of the

options available to you,

then help you find your next

home! Sellers, some

programs can also give you an edge in assisting buyers in

purchasing your homes!

Contact me if you would like

to know which

programs may work for you

, how to use them

, or if you

would like to be referred to

loan officer fam

iliar in

"layering"

these

loan

programs

so that you can become

pre

approved

for your financing (

important to do prior to looking at homes).

The programs are often based on fund availability and do change often.

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 Housing Trust of Santa Clara County Home Buyer Programs & Down Payment Assistance: http://www.housingtrustscc.org/programs/first_time.php Down Payment Assistance Home buyer programs for 1st time home buyers purchasing homes in Santa Clara County: -Closing Cost Assistance Program (CCAP) -Mortgage Assistance Program (MAP) Does not have to be a first time home buyer: Purchase Assistance Loan (PAL) Program for homes purchased in specific San Jose census tracts. 20% of the purchase price, up to $50K, 0% interest, payment deferred 30 years PAL/NSP Census Tract Property Look Up List of NSP/PAL eligible census tracts Map of eligible NSP/PAL census tracts
South County Housing 7455 Carmel St. Gilroy, CA 950208 Phone: (408) 842-9181 info@scounty.org http://www.scounty.org/fh_homesForSale.html 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/RDA/Index.htm 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?NID=316 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 Morgan Hill First Time Home Buyer Programs: Down Payment Assistance http://ca-morganhill.civicplus.com/index.aspx?NID=898 BMR units http://ca-morganhill.civicplus.com/index.aspx?NID=328	City of Mountain View http://www.ci.mtnview.ca.us/city_hall/community_development/preserv ation /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	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?page=1088 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 Sunnyvale Housing Program Technician Rachel DeBord 456 W. Olive Ave. Sunnyvale, CA 94086 Phone: (408) 730-7456 Sunnyvale First Time Home Buyer Programs & Down Payment Assistance: http://sunnyvale.ca.gov/Departments/CommunityDevelopment/Housingan dCo m munityAssista nce/ForHomeBuyers.aspx	South County Housing 7455 Carmel St. Gilroy, CA 950208 Phone: (408) 842-9181 info@scounty.org http://www.scounty.org/fh_homesForSale.html 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.

Serving your unique real estate needs through your changing life!

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: Most home 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: Neighborhood Housing Services of Silicon Valley Project Sentinel Unity Council (Spanish Classes available here) 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 http://www.calpers.ca.gov/index.jsp?bc=/member/homeloan/home.xml	CalSTRS Home Loan Programs Loans for home buyers who have a CalSTRS retirement account 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 http://www.cdva.ca.gov/CalVetLoans/Default.aspx	NHF CHF Platinum Program Grant 3% Grant that can be used for closing costs or to assist with down payment when using an FHA, VA, or USDA first loan to purchase a primary residence in CA. http://www.nhfloan.org/programs/CHF_Platinum/Guide_CHF_Platinum.html
Fannie Mae http://www.fanniemae.com/kb/index?page=home&c=homebuyers Homepath & Homepath Renovation Loan Programs (for Fannie Mae REO's) http://www.homepath.com/financing/index.html	FHA 203K Renovation Purchase Loan - a loan that allows the borrower to finance purchase and renovation costs into one loan. 3.5% min borrower fund requirement. http://www.hud.gov/offices/hsg/sfh/203k/203kabou.cfm
HUD Neighbor Next Door Program Provides law enforcement officers, firefighters, emergency medical technicians and teachers an opportunity to purchase homes in revitalization areas with a substantial incentive in the form of a fifty percent discount off the list price of eligible properties. http://www.hud.gov/offices/hsg/sfh/reo/goodn/gnndabot.cfm	PenFed $5K Military Grant Provides 3 to 1funds matched to borrower's own contribution, at least 3% of purchase price, maximum of $5k. Criteria for loan qualification include U.S. Military (active duty, Reserve, National Guard, or Veteran) or Department of Defense or Department of Homeland Security employee, first time home buyer (not owned in last 3 years or home lost in Divorce or disaster), and income criteria. http://www.pentagonfoundation.org/site/PageServer?pagename=dream_index
USDA Home Loan Programs Low or zero down payment loans for use in purchasing homes in rural areas U SDA Information for homebuyers USDA Income and Property Eligibility Lookup

Brenda Avilla-Kintz
REALTOR, GRI, SRES, RCS-D, CDPE, SFR

Alameda County Home Buyer Programs & Down Payment Assistance:
Alameda County Housing and Community Development 224 W. Winton Avenue, Room 108 Hayward, CA 94544 MCC Hotline: (510) 670 – 5246 Alameda County First Time Home Buyer Programs: MCC (Mortgage Credit Certificate) www.acgov.org/cda/mcc_program/index.htm NSP rehab homes Homes that have been purchased and remodeled/rehabbed in Alameda County utilizing NSP funds. http://www.acgov.org/cda/hcd/stabilization/index.htm -Program details http://homehub.org/find-your-home - Search Available NSP Homes	City of Alameda 950 W. Mall Square, Suite 215 Alameda, CA 94501 Tel: (510) 749 – 5813 www.ci.alameda.ca.us City of Alameda First Time Home Buyer Programs: www.alamedahousing.com/hsg_asst.html
City of Albany 1000 San Pablo Avenue Albany, CA 94706 Tel: (510) 528 - 5760 w w w .al ba ny ca .o rg	City of Berkeley 2180 Milvia Street Berkeley, CA 94704 Tel: (510) 981-5400 www.ci.berkeley.ca.us
City of Dublin 100 Civic Plaza Dublin, CA 94568 Tel: (925) 833 – 6620 w w w .ci.du bli n.ca .us Dublin First Time Home Buyer Program / Down Payment Assistance: http://www.ci.dublin.ca.us/index.aspx?nid=618	City of Emeryville 1333 Park Avenue Emeryville, CA 94608 Tel: (510) 596 – 4316 www.ci.emeryville.ca.us Home Buyer Programs http://www.ci.emeryville.ca.us/index.aspx?nid=265
City of Fremont 3300 Capitol Avenue, Bldg. B Fremont, CA 94537 Tel: (510) 494 – 4506 w w w .ci.fr e m on t.ca .us Fremont First Time Home Buyer Programs / Equity Share: http://www.fremont.gov/index.aspx?nid=441	City of Hayward 777 B Street Hayward, CA 94541 Tel: (510) 583 - 4000 www.ci.hayward.ca.us Home Buyer Programs http://user.govoutreach.com/hayward/faq.php?cid=10968
City of Livermore 1052 S. Livermore Avenue Livermore, CA 94550 Tel: (925) 449 - 7340 w w w .ci .li ve rm or e.ca .u s Home Buyer Programs http://www.ci.livermore.ca.us/CDD/HHS/hhs.html	City of Newark 37101 Newark Blvd. Newark, CA 94560 Tel: (510) 793 - 1400 www.ci.newark.ca.us
City of Oakland 250 Frank H. Ogawa Plaza, Suite 5313 Oakland, CA 94612 Tel: (510) 238 - 3015 w w w .ci .o ak la nd .c a.us Home Buyer Programs w w w .o ak la nd ne t.c o m/go ve rn m en t/h cd /lo an sg ra nt s/ho m eb uy er s.ht ml	City of Pleasanton 200 Old Bernal Avenue Pleasanton, CA 94566 Tel: (925) 931 - 5011 www.ci.pleasanton.ca.us Home Buyer Programs http://www.ci.pleasanton.ca.us/community/housing/first-time-homebuyer.html
City of San Leandro 835 E. 14th Street San Leandro, CA 94577-3767 Tel: (510) 577-6004. http://www.sanleandro.org/default.asp Home Buyer Programs http://www.sanleandro.org/depts/cd/housing/programs.asp	City of Tracy 333 Civic Center Plaza Tracy, California, 95376 Tel: (209) 831-6000 http://www.ci.tracy.ca.us Tracy First Time Home Buyer Programs http://www.ci.tracy.ca.us/departments/des/community_development/ Program Brochure http://www.ci.tracy.ca.us/modules/dms/file_retrieve.php?function=view&obj_i d=867

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Brenda Avilla-Kintz
REALTOR,
GRI, SRES, RCS-D, CDPE, SFR
Altera Real Estate
1124 Meridian Avenue
San Jose, CA 95125

Phone:
(408) 828-2020

Fax:
(408) 754-3910

Toll Free:
(866) 978-2800 ext.232

Email:
Brenda@CaRealEstateOnline.com