Lenders & Realtors

Lending Partners

Housing Trust Silicon Valley has developed long standing relationships with financial institutions, local mortgage brokers and nonprofit housing lenders assisting first time homebuyers with the purchase of their home.

We welcome participation from all lenders and encourages them to Join the Lender Contact list and receive updates on new guidelines, programs, and training classes. In addition you can learn about the Homeownership Programs we offer:

Please download and review the Lender requirements and instructions for participation. You can also attend a quarterly lender training class held by the Homeownership Programs Department (See the calendar for class details).

Training for Mortgage Loan Originators

We recommend lender training for mortgage loan originators to familiarize themselves with available homeownership programs, program guidelines, and the application/loan process.

How to become a Certified Mortgage Loan Originator:

  • Attend a training and pass a Down Payment Assistance Lending 101 exam

How to become a Preferred Mortgage Loan Originator

  • Attend a training and pass a Down Payment Assistance Lending 101 exam
  • Invitation by Housing Trust to participate
  • Additional Training and pass exam


Housing Trust Silicon Valley is proud to work with all REALTORS® to help first-time homebuyers interested in down payment assistance programs available in Santa Clara County.

We encourage REALTORS® to join the REALTOR® Contact List and receive updates on new guidelines, programs, and training classes. In addition you can learn about the Homeownership Programs we offer:

Our Process

First-time homebuyers contact Housing Trust homebuyer programs staff by completing the online intake form. Our staff will respond via email outlining the steps the homebuyer must take to complete the pre-screening process and apply for the requested down payment assistance program.

After pre-screening, the homebuyers are referred to program approved lenders. Lenders interested in participating in HTSV down payment assistance programs and becoming a program approved lender must follow the steps outlined in the Lending Partners section above.

At lender pre-approval, homebuyer contacts Housing Trust directly to set up an eligibility application submission appointment. After a review of application documents, Housing Trust will determine eligibility of the homebuyer and issue a program eligibility determination letter which is good for 90 days from issue date.

Program eligible first time homebuyers can update their program eligibility determination letter by providing Housing Trust up to date documentation.

How can a REALTOR® help?

1) Learn about down payment assistance program by attending a local real estate board association class. HTSV presents at the Santa Clara County Association of REALTORS® (SCCAOR). Topics covered at the workshop are:

2) Familiarize yourself with the Housing Trust website, Homeownership Assistance Programs and its application forms. Check out the Steps to Homeownership handout- Feel free to print and hand out to buyers. View the Homebuyer Calendar for upcoming homebuyer classes and workshops you can recommend to homebuyers.

3) Work with a Certified or Preferred Loan Officer. Certified and Preferred Loan Officers attend training to learn about Housing Trust down payment assistance programs and pass an exam. Preferred Loan officers take additional training and have experience with secondary financing. A REALTOR® can verify with Housing Trust if a Mortgage Loan Originator is certified or request a copy of the Preferred Loan Officer list.

4) Encourage your buyers to complete the Eligibility Application and gather all necessary documents pending the Lender’s Pre-approval letter. At receipt of the pre-approval letter from the Lender, buyers must contact Housing Trust staff for an appointment. Buyers can attach the business card of the REALTOR® they are working with to the application for easy reference.

5) Once Housing Trust has determined buyers are qualified, a Housing Trust program eligibility determination letter will be issued to the buyers naming the program, estimated down payment assistance, and expiration date of the letter. A REALTOR® then assists the buyers in finding and making an offer on a property within the program’s market area. Upon ratification of the purchase agreement, Housing Trust is notified by the REALTOR® and Lender.

6) Lender downloads the Loan Application, gathers the required documents and delivers Purchase Loan Application package to Housing Trust. Upon loan approval, notification is sent to the lender and the borrowers. Loan document request is sent to Lender and Housing Trust prepares the loan documents. Buyers sign loan documents at Housing Trust and the documents are sent to the Title Company. Housing Trust works directly with the Title Company to facilitate in the funding of its loan and closing of the transaction.