Lender & REALTOR Resources

We believe communities prosper when people can own a home in places that matter to them.

Rising prices keep the dream of homeownership out of reach for many first-time buyers, but Housing Trust is here to help. And, we are proud to work with you to help guide first-time homebuyers through one of the most life-changing purchases of their lives.

How Our Programs Help First-Time Homebuyers

Our down payment lending programs expand the pool of potential homebuyers in our region, and can be the difference between someone being able to afford a house and not buying a house at all. A 20% down payment on a house in the greater Bay Area can easily pass six figures, which is a lot more than most people can save. Not only does a 20% down payment help a first-time homebuyer avoid expensive mortgage insurance, but it can make the payments for the house itself more affordable.

In addition to down payment assistance, we administer a below market purchase program in Santa Clara to help buyers whose incomes fall below a certain threshold purchase homes priced lower than the market rate.

Read more about the homebuyer programs we offer

Lender Partner Resources

Provides information about requirements, training, and how your company can approve and participate in our programs.

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REALTOR Partner Resources

Assists REALTORS in providing affordable housing program information to first-time homebuyers.

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Not Sure Where to Start?

  1. Join Our Contact Lists

    Lenders and REALTORS are critical partners in your client’s path to ownership. We are proud to work with you and offer unique resources to help. To get started, join the appropriate contact list to receive program news and updates.

  2. Review Our Resource Pages

    Visit the resource pages above to learn more about how you can support affordable solutions for first-time homebuyers in our region.

    Lender Partner Resources

    REALTOR Partner Resources