Mortgage Credit Certificate (MCC)
A federal program that provides assistance to first time homebuyers for the purchase of owner-occupied single family homes, duplexes, townhomes and
condominiums. The MCC program can help you qualify for a mortgage loan by increasing your buying
power of your current income
Find out about additional IRS tax credits available to first time homebuyers Federal

Homeownership Institute
A nonprofit, public-benefit
corporation providing educational seminars for first time home buyers throughout the Bay Area.
We present federal, state and city programs that benefit qualified, first time homebuyers by subsidizing their down payment, closing costs, and interest rates. About us

CalHFA
Participant in the CalHFA Tax Exempt Mortgage Revenue Bond Program. Eligible first time buyers can qualify for a CalFHA loan. Benefits are:

97% 1st (CalHFA) 30 year 5%fixed
3% second*
$25,000 loan*
$7,500 loan to qualified teachers*
3% CalHFA downpayment assistance loan*

*Interest & principal deferred until 1st is due,property is refinanced, sold or rented
For information CalHFA

San Francisco Mayor's Office of Housing Downpayment Assistance Loan Program (DALP)
This program provides a downpayment of up to $100,000 to qualified borrowers.SF_DALP

San Francisco Single Family Mortgage Revenue Bond Program (SFMRB)
SFMRB provides first-mortgage loans to homebuyers in the City of San Francisco on a first-come, first-served basis. The loans will be fixed, 30 year FHA, VA, or conventional mortgage rate at about 1/3 to 1/2% below the market rate.
Additional Mortgage Assistance is available with the loans to qualified buyers. SFMRB

California Home Source
The lease-purchase program is designed to help moderate-income individuals and families with stable incomes overcome the credit and savings barriers to home ownership. The program offers very flexible credit criteria and provides the down payment and pays all the closing costs.
Qualified clients select a home and Cal MAC, a nonprofit governmental agency, purchases the home for them by taking on a mortgage, making the down payment and paying all the closing costs. Cal MAC leases the home to
the client for 39 months. When the lease is over, the client exercises their purchase option by assuming the existing mortgage with no additional down payment or closing costs. California Home Source

The Oakland Teacher Program provides a below market interest rate CalHFA first loan, together with a forgivable interest CalHFA $7,500 second loan and a third loan, up to $20,000, from the City of Oakland to assist qualified teachers and principals to purchase their first home Oakland_teacher_program

High Cost Area Home Purchase Assistance Pilot Program (HiCAP)
The High Cost Area Home Purchase Assistance Pilot Program (HiCAP) is designed to assist first-time homebuyers in the highest housing cost areas of the state. Eligible counties are: San Francisco, San Mateo,
Santa Clara, Alameda, Contra Costa & Sonoma. CalHFA

Conventional financing
Learn about loan program available from conventional lenders. Topics include: Program guidelines, A lenders, B-C lenders, hard money and suitability. Conventional