Impact & Updates

We believe our communities are more diverse, sustainable, and vibrant when everyone has a safe, stable and affordable place to live.


It was a celebration last week at Vitalia!

April 3, 2024

It was a celebration last week at Vitalia in the Cambrian neighborhood of City of San José. Developed by our partners Affirmed Housing, the brand new, beautiful 79 units provide dignified, affordable, supportive housing for individuals and families, including veterans and our formerly unhoused neighbors. Our CEO, Noni Ramos had the opportunity to speak at…


Read All Read All About it! The latest Housing Trust News is Live.

April 3, 2024

Read all about it! Our March Housing Our Neighbors Newsletter is live: See what we’ve been up to and where we’ve been this past month, and learn what we have in the works for Affordable Housing Month. #AffordableHousing #CDFI #Community #HousingforAll

Newly Funded

Just Funded

March 25, 2024

Have you heard? We’ve invested $590+ million in affordable housing throughout the greater Bay Area region and helped more than 50,000 underserved neighbors! On top of that, we Just Funded two new projects: Residences at Liberation Park in Oakland and 200 & 290 B Street in Santa Rosa. Learn about these projects, the partnerships that…


2024 SLO County Housing Summit!

March 14, 2024

We are excited to share that our Housing Trust CEO Noni Ramos will join #affordablehousing leaders and the community on the Central Coast as a featured speaker at the 2024 SLO County Housing Summit! Hosted by the Housing Collaborative of the Central Coast, the Summit will engage its audience of housing advocates, community and economic…


Read All About it! The latest Housing Trust News is Live!

March 4, 2024

Read all about it! Our Housing Trust Newsletter is live:! In this edition, we are excited to share our latest impact numbers (spoiler alert: we’ve invested $590 million in affordable housing!), just funded projects, groundbreakings, and so much more! #AffordableHousing#CDFI#Community#HousingforAll

Newly Funded

Just Funded in January!

February 28, 2024

200 & 290 B STREET SANTA ROSA, CA Developer: Phoenix Development  Housing Trust Loan: $7.225 million Proposed Units: 64 Population Served: Workforce Housing Located in downtown Santa Rosa, 200 and 290 B Street will consist of a 64 unit affordable housing mix, including 32 units for households earning up to 80% of the Area Median Income (AMI) and…

Newly Funded

Just Funded in January!

February 28, 2024

RESIDENCES AT LIBERATION PARK OAKLAND, CA Co-Developers: Black Cultural Zone Community Development Corporation (BCZ) and Eden Housing Housing Trust Loan: $1.5 million Proposed Units: 119 Population Served: Families Located in the Eastmont neighborhood of Oakland near public transportation, Liberation Park is being developed as a joint venture between BCZ and Eden Housing. It will consist of 119 residences for…


Celebrating Charities Housing’s Montecito Groundbreaking

February 27, 2024

The City of Mountain View is about to open the door to more affordable housing with a new project breaking ground at 1265 Montecito Avenue! A ceremony today featured our CFO and Head of Partnerships and Strategy, Julie Mahowald, who spoke about the power of the partnership between Charities Housing Development, Housing Trust, City of…


Read All About it! The latest Housing Trust News is Live!

February 5, 2024

Read all about it! Our latest Housing Trust Newsletter is here:! In this edition, we are excited to share recent impact numbers, an inspirational first-time homebuyer story, some wonderful media coverage, current job openings, and more! #AffordableHousing #CDFI #Community #HousingforAll #GreaterBayArea

Press Releases

California Coalition for Community Investment Plays Integral Role in $50M Grant from the State Treasurer’s Office to Build Affordable Housing

February 1, 2024

California Investment and Innovation Fund Program Disburses First Round of $15M to Support CDFI’s Working to Build Affordable Housing, Support Small Businesses, and Deliver Child Care Facilities Sacramento, CA – February 1, 2023 – California Coalition for Community Investment (CCCI), a statewide coalition of Community Development Financial Institutions (CDFIs) serving California, proudly announces its pivotal…


Make an Impact

January 25, 2024

Make an impact with your work and JoinOurTeam! Housing Trust Silicon Valley is seeking a Staff Accountant for a pivotal role on our awesome team in the City of San José, California, offering a hybrid schedule. If you are passionate about safe, stable, and affordable housing, we invite you to apply! Learn more about this…


In the Media

January 24, 2024

Designed to provide community for formerly homeless seniors in County of Santa Clara, California, People Assisting the Homeless – PATH Villas at 4th Street in City of San José provides a range of supportive services to help neighbors gain stability, wellness, and self-sufficiency. Zach Fuentes at ABC7 and Annalise Freimarck at SFGATE covered the 94-unit…


National Thank You Month

January 17, 2024

January is National Thank You Month, a chance to take time to express gratitude to the people around you. According to the Mayo Clinic, when you feel and express gratitude, you may enjoy improvement in your sleep, mood, and immunity, as well as a reduction in depression, anxiety, chronic pain, and the risk of disease….


Grand Opening Celebration

January 11, 2024

Good times at the Grand Opening celebration for People Assisting the Homeless – PATH Villas at 4th Street, a new 94 unit affordable housing project for formerly homeless seniors! We were delighted to have provided early-stage financing for this beautiful project, which helped make more affordable housing accessible for vulnerable seniors in the City of…


Happy New Year

January 4, 2024

We look forward to a safe, healthy, and joyful year ahead. Happy 2024 from all of us at Housing Trust—the best is yet to come!


Seasons Greetings

December 21, 2023

Seasons Greetings from all of us at Housing Trust Silicon Valley! May your holidays be filled with joy, warmth, and connection. Take a look at our final newsletter for 2023:

Success Stories

Empowered by Home: Helen, Andrew, and Nancy Find Hope in a New Home

December 20, 2023

Helen and her parents Andrew and Nancy immigrated from Vietnam just a few years ago with the hope of a better life and opportunity in the United States. They dreamed of owning a home, but between switching jobs and moving often to different apartments, they imagined it might take another decade. The Empower Homebuyers SCC…

Success Stories

Empowered by Home: From Section 8 Housing to First-Time Homeownership

November 28, 2023

Michael remembers the days of growing up in section 8 housing in Los Angeles and living on food stamps. His parents, both immigrants from Vietnam, worked hard to provide for their family of five and teach their children the power of perseverance. As the eldest son, Michael became the first in his family to meet…

Newly Funded

Just Funded: Five Projects with EAH Housing

November 20, 2023

We are excited to share that we recently originated a $3.5 million unsecured revolving line of credit to EAH Housing, which will create more than 400 new affordable homes for our community members in the following counties across the Bay Area: Alameda County, Contra Costa County, Marin County, Monterey County, and Solano County.  The funds…


In The Media

November 8, 2023

“To be able to have that access to the agriculture and have the therapeutic time to go work in the garden, or eat produce from the garden, I think that really adds, just, a vibrancy to a community.” – Julie Mahowald, our CFO and Head of Partnerships and Strategy, on the vision behind the Agrihood…


2023 Annual Report is Live

October 26, 2023

Our 2023 Housing Trust Silicon Valley Annual Report is hot off the press! It’s been an amazing year, and we are excited to show you what we’ve accomplished together. Take a look and meet the neighbors whose lives have changed as a result of our collective work. People like Issac, who dealt with addiction,…


Siesta Senior Apartments Grand Opening

October 23, 2023

It’s a celebration! Siesta Senior Apartments, a beautiful new 92-unit development just outside the City of Sonoma had it’s grand opening and we were thrilled to join in the festivities. Housing Trust Silicon Valley‘s Julie Mahowald, CFO and Head of Partnerships and Strategy spoke at the event and celebrated with the community as vibrancy returns…

Success Stories

Isaac’s Story

October 16, 2023

Isaac grew up on the same block as Page Street Studios, Charities Housing’s new affordable housing complex located in the West San Carlos Urban Village area. With a smile, he remembers standing at his grandmother’s doorway and peering down the street with his cousins. “Now I’m standing here looking down that way, and it’s kind…


Congratulations to Julie Mahowald!

September 29, 2023

Congratulations to Julie Mahowald for being named the Nonprofit CFO of the Year by Larkin Street Youth Services and the San Francisco Business Times. The Housing Trust community benefits from your excellence every day, and we’re so proud of your accomplishments – this is a very well-earned award! Julie was in great company with honorable…


Read All About it! The latest Housing Trust News is Live!

September 28, 2023

Read all about it! Our September Housing Trust Newsletter is hot off the press:! We have a developer partner update, media mentions, and other exciting news! #AffordableHousing #CDFI #Community #HousingforAll

Success Stories

Empowered by Home: Lana and Vincent Fulfill Their American Dream

July 25, 2023

When Lana came to the United States from Vietnam four years ago, everything felt new. She had left her beloved homeland and a good job in global shipping to build a life with her husband Vincent, who had immigrated to the U.S. from Vietnam with his family as a teen. Vincent and Lana are now…

Press Releases

New Updates to the Empower Homebuyers SCC Down Payment Assistance Program

March 15, 2023

Program offers loan amount of $250,000, up to 30% of the purchase price with no maximum purchase price  San Jose, CA – March 15, 2023 – The County of Santa Clara and Housing Trust Silicon Valley, a nonprofit community loan fund, announced today new updates to the Empower Homebuyers Santa Clara County (SCC) Down Payment Assistance…

Newly Funded

Newly Funded: 350 Affordable Homes to be Developed in the Greater Bay Area

February 16, 2023

Hundreds more of our neighbors will soon have housing options. We are excited to share that four Newly Funded loans that closed during the second half of 2022 (July through December) will create 350 new affordable homes for our community members. We are proud to be able to help more mission driven affordable housing developers…

Newly Funded

Newly Funded! 520+ Affordable Homes to be Developed in the Greater Bay Area + More Amazing News

August 31, 2022

520+ Affordable Homes to be Developed in the Greater Bay Area + More Amazing News Newly Funded Date: Friday, June 17, 2022 Half a billion dollars in loans closed! Housing Trust recently reached this organizational milestone. To date, we have loaned more than $500 million towards the development of affordable homes throughout the greater Bay Area. These investments have…


Noni Ramos Recognized as a Woman of Influence 2022 by the Silicon Valley Business Journal

July 14, 2022

San Jose, CA – Housing Trust Silicon Valley, a nonprofit Community Development Financial Institution (CDFI), announced today that Noni Ramos has been honored by the Silicon Valley Business Journal as a Woman of Influence in 2022. Honorees were unveiled in the June 17, 2022, issue of the Silicon Valley Business Journal and celebrated during a…

Press Releases

Housing Trust, Kingdom Builders, and BACBO Drive Housing Equity with Innovative Loans

June 7, 2022

Addressing the housing crisis in your own hometown may sound like a daunting challenge. Not for Pastor L.J. Jennings. Born, raised, and proudly immersed in the Oakland community he loves as a church leader and non-profit leader, Pastor Jennings is on a mission to help his neighbors and congregation in need by building affordable housing…

Press Releases

Apple, Housing Trust Silicon Valley, and Satellite Affordable Housing Associates Announce Grand Opening of Veterans Square

May 11, 2022

Thirty-Home Development Will Address Housing Availability for Contra Costa County Veterans Pittsburgh, CA – May 11, 2022 – Housing Trust Silicon Valley, a nonprofit community loan fund, Satellite Affordable Housing Associates, and Apple today announced the grand opening of Veterans Square, a 30-home affordable housing development in the Old Town neighborhood of Pittsburg. Located at…

Press Releases

City-Led Affordable Housing Project Pacific Station South Set to Begin Construction

May 10, 2022

Groundbreaking Event to Highlight Three Downtown Affordable Housing Projects SANTA CRUZ, CA – May 16, 2022 – The City of Santa Cruz will celebrate the groundbreaking of its Pacific Station South project on May 19 at 11 a.m. The event will also highlight the groundbreaking of Pacific Union Partners’ Cedar Street Apartments and the in-progress…

Press Releases

Berkeley church and local affordable housing developer build a community solution to a regional challenge

May 5, 2022

All Souls Episcopal Parish (ASEP) and Satellite Affordable Housing Associates (SAHA) open doors to Jordan Court – 34 new affordable homes for seniors in Berkeley Berkeley, CA – May 5, 2022 – On Thursday, May 5, All Souls Episcopal Parish (ASEP) and Satellite Affordable Housing Associates (SAHA) will mark the grand opening of Jordan Court…


Christine Pezino Joins Housing Trust as Finance Director

April 7, 2022

Housing Trust Silicon Valley proudly welcomes Christine Pezino, who joins us as Finance Director. Her responsibilities will include financial planning and analysis, as well as support for business decisions, strategy, and risk management. Prior to Housing Trust, Christine handled all aspects of finance for a multi-family property management organization. Her previous experience includes 15 years…


Mukhtar Barna Joins Housing Trust as Senior Fund Accountant

March 7, 2022

Housing Trust Silicon Valley warmly welcomes Mukhtar Barna, who joins us as Senior Fund Accountant. His responsibilities will include guiding the growth of a fund we are managing on behalf of a large tech company, as well as contributing to Housing Trust’s accounting, analysis, and reporting. Mukhtar speaks six languages. He was the recipient of…

Press Releases

Google and Housing Trust Silicon Valley Announce Loan to Charities Housing for Affordable Units

March 2, 2022

$17.2M in Funding to Purchase Over 2 Acres of Land for 160 Units of Affordable Housing in Santa Clara Count San Jose, CA – March 2, 2022 – Housing Trust Silicon Valley, a nonprofit community loan fund, announced today a loan for the acquisition of 2.22 acres at 57 and 67 E. Evelyn Avenue, Mountain…


Prathit Thaker Joins Housing Trust as Chief Credit Officer

February 2, 2022

Housing Trust Silicon Valley warmly welcomes Prathit Thaker, who joins us as Chief Credit Officer. His responsibilities will include leading the credit, risk management, loan administration, asset management, and compliance functions. Prathit is a seasoned executive with 25+ years of depth and breadth of credit risk management, commercial real estate finance and debt capital markets…

Press Releases

Housing Trust Silicon Valley to Join White House Panel on Addressing Supply Constraints in the Housing Market

February 1, 2022

Virtual Event to Focus on Solutions for Easier Building of Accessory Dwelling Units (ADUs) San Jose, CA – February 1, 2022 – Housing Trust Silicon Valley, a nonprofit community loan fund, today announced its CEO, Noni Ramos, will join senior Biden-Harris Administration officials, local government officials, researchers, financial institutions, and practitioners in a virtual White…

Success Stories

Eden Housing’s Auzerais Apartments – aided by TECH Fund – Celebrates Groundbreaking in San Jose

December 8, 2021

In Spring 2019, Housing Trust’s TECH Fund made what was then the second-largest loan in our history – $13.75 million to help Eden Housing buy a site on Auzerais Avenue that checked all the boxes for what strong and affordable housing should be. Today some of our team took part in the groundbreaking celebration to…


Nazmin Bishop joins Housing Trust as Chief Development & Communications Officer

December 7, 2021

Today, Housing Trust Silicon Valley welcomes Nazmin Bishop, who joins us as Chief Development and Communications Officer. Nazmin is a Bay Area native who has always loved the richness of the cultural diversity and the innovation and forward thinking of the region. She has been in the fields of Business Development, Marketing, and Communications most…

Press Releases

Agrihood Breaks Ground in Santa Clara

September 15, 2021

On the morning of September 15th, 2021, we gathered with a lot of friends and partners for the groundbreaking of Agrihood; a development which will provide 361 new homes – including 181 below-market rate homes for seniors and senior veterans. Read the press release here and see the rendering of the Agrihood project. Agrihood was…

Success Stories

Empowered by Home: Fernando and Stephani Find Their Perfect Condo in San Jose

September 3, 2021

When a job offer brought Fernando and Stephani to the South Bay a few years ago, they settled comfortably into the area. The couple appreciated the diversity of the community and the many activities the Bay Area had to offer. Fernando, who grew up in Oregon to a U.S. citizen dad and Peruvian mom, enjoyed…

Success Stories

Breaking Ground with PATH in San Jose

August 23, 2021

This morning we got to see our friends from PATH and attend the groundbreaking celebration of Villas at Fourth Street in San Jose – a project that will bring 93 affordable homes for chronically homeless seniors age 55 and above. Two key collaborations brought us to today: Google, which first invested in our TECH Fund…


Welcome Lupita – Housing Trust’s First Human Resources Director

August 18, 2021

Some big news just happened internally: Housing Trust, which has been growing quite a bit in recent years – we only had a staff of three about twelve years ago – just hired our very first Human Resources Director! Please meet Lupita Medina, who has years of experience and leadership in building HR infrastructure, strategic…

Success Stories

Empowered by Home: Ryan and Teresa’s Story

July 14, 2021

When Ryan and Teresa’s landlord told them that the townhome they were renting for seven years was going to be placed on the market, the couple knew it was time to make some big decisions. Their choices were to either move to a new rental and likely pay more for rent, or they could finally…

Success Stories

Housing Trust Awarded $1.8 million from U.S. Treasury for COVID-19 Relief

June 15, 2021

Today Housing Trust Silicon Valley is proud to announce we are among 863 community development financial institutions (CDFIs) in the U.S. to be awarded funds from the Treasury’s CDFI Rapid Response Program. Our organization secured $1.8 million, which will enable Housing Trust to continue to support affordable housing developments in the greater Bay Area as…


For All Neighbors: A Short Update on Empower Homebuyers SCC

June 7, 2021

Since Housing Trust started diversity, equity and inclusion work a few years ago, we’ve been trying to do more outward facing efforts for the communities we serve, such as creating fliers in multiple languages for our homeownership/down payment assistance programs, Empower Homebuyers SCC and H.E.L.P. We are proud to take another small step in our…

Press Releases

Affordable Housing Partnership Announces First Three Developments to Build New Homes in Sonoma County

March 25, 2021

The Sonoma County Housing Fund – a collaborative effort between the Santa Rosa Metro Chamber and nonprofit community development financial institution (CDFI) Housing Trust Silicon Valley – is proud to announce the first three loans for critically needed affordable homes. The three separate developments – Siesta Senior Apartments in Sonoma, Stony Point Flats and Acme…

Press Releases

Google, Housing Trust Silicon Valley Initiative Investing Nearly $30 Million for Bay Area Affordable Homes

March 4, 2021

Effort to Aid Short Term and Long-Term Economic Recovery in Region Google and Housing Trust Silicon Valley, a nonprofit community loan fund that works to create a strong affordable housing market in the greater Bay Area, are announcing though their Launch Initiative new loans of approximately $30 million for three Bay Area affordable housing developments…

Success Stories

Empowered by Home: Marcela and her Son

February 1, 2021

Sometimes a well penned letter can change things forever. When Marcela and her six year old son first saw the house she would eventually purchase with help from the Empower Homebuyers SCC down payment assistance program, they fell in love. They were also charmed by the neighborhood and the Gilroy community. Marcela made an offer on the…

Press Releases

Bay Area Down Payment Assistance Program Still Active in Pandemic

January 14, 2021

Empower Homebuyers SCC seeks to help up to 50 homebuyers in 2021  SAN JOSE, CALIF – Housing Trust Silicon Valley, a nonprofit community loan fund, is excited to launch the 2021 series of webinars to educate future Bay Area homebuyers about Empower Homebuyers SCC – a down payment assistance program created by the County of Santa…


Down Payment Assistance News for First-Time Homebuyers

December 22, 2020

On December 16th, the homeownership team gave the last presentation of 2020 for Empower Homebuyers SCC – the down payment assistance program for first-time homebuyers created by the County of Santa Clara.  When the first Shelter In Place order was given in mid-March, the team pivoted from in-person workshops to online – making 26 online…

Newly Funded

New, Major Loans from Google’s Launch Initiative Bringing Sustainable Affordable Homes to Bay Area

November 16, 2020

Google and Housing Trust Silicon Valley – a nonprofit community loan fund that works to create a strong affordable housing market in the greater Bay Area – are announcing the first investments in affordable housing from Launch Initiative, the $50 million fund rolled out in July. This comes just months after the fund was established…

Newly Funded

Satellite Affordable Housing Associates to Bring Homeless Veterans Home in Contra Costa County

November 11, 2020

Support from Apple, Housing Trust Silicon Valley, Chase, and other local players will help create needed affordable rental housing Virtual groundbreaking celebration scheduled on Veteran’s Day PITTSBURG, CA – Satellite Affordable Housing Associates today announces the groundbreaking for Veterans Square, a 30-home affordable housing development in Pittsburg supporting veterans. A virtual groundbreaking celebration will be…


Housing Trust Presents: #InTheHouseHT

September 8, 2020

Four weeks from today Housing Trust will be hosting our annual fall event, On the House, and we’d love for you to attend. In the meantime, we invite you to join our new social media campaign #InTheHouseHT. It’s very simple: just post a photo on social media featuring anything in your home you are especially thankful for…


Empower Homebuyers SCC Update

July 29, 2020

Our Homeownership team continues to work remotely while finding ways to keep potential homebuyers engaged. In June and July, we held five Empower Homebuyers SCC Zoom webinars and a Lender Training, with about 320 attendees. To change things up and make the informational presentations even more interesting, the team introduced poll questions, which increased engagement…

Press Releases

Housing Trust and Google Announce Launch Initiative to Create New Affordable Homes

July 23, 2020

Google and Housing Trust Silicon Valley – a nonprofit community loan fund that works to create a strong affordable housing market in the greater Bay Area – are announcing the creation of Launch Initiative, an affordable housing fund aimed to accelerate the start-up and preservation of homes. Launch Initiative, announced a year after Google’s $50…


Black Lives Matter: Moving to Action

June 4, 2020

Dear Partners, Our entire team is jolted and saddened by the violent and unjust killing of George Floyd, Breonna Taylor, Ahmaud Arbery, and too many others. We stand with the Black Lives Matter movement – just as we stand with our black employees, board members, partners, residents, community members – and implore our neighbors to…

Success Stories

Empowered by Home: Justin’s Story

May 8, 2020

An assistant principal at Branham High School and a single dad, Justin Ponzio dreamed of having a home for his kids – ages five and six – to live and grow. When he found the Empower Homebuyers SCC program in 2019, the trio lived in a rental near a busy frontage road that was far…


Housing Trust’s COVID-19 Response

March 26, 2020

Dear Neighbors and Partners, We believe safe, stable affordable housing opens the door to better lives for everyone. In support of this belief, we carry on our work as a nonprofit lender and our job is to be here for our borrowers and our community – supporting those who require unique and flexible financing to…

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people helped since 2000


invested in affordable housing

Housing Trust works in communities across the 14-county greater Bay Area.