Long-Term Resources
Long-term housing assistance provides support for families, individuals, senior citizens, and mothers and children who aim to gain stability in their housing and finances. This section intends to give easy access and wider reach to those in need of assistance.
CATEGORY
NAME OF ORGANIZATION
SERVICES
PROCESSES
MOUNTAIN VIEW
*EVICTION MORATORIUM – SB 91’s COVID-19 Tenant Relief Act extends eviction protections for tenants experiencing COVID-19 financial hardship effective immediately.and also provides financial assistance to residential tenants and small property owners impacted by COVID-19.
*THE CITY OF MOUNTAIN VIEW COVID-19 Rent Relief Program provides up to $3,000 per month of rental assistance for up to two months for qualifying Mountain View tenants impacted by COVID-19. The Community Services Agency (CSA) administers the program.
*Santa Clara County Homelessness Prevention system Covid-19 response program- Extremely low-income Santa Clara County residents financially impacted by the COVID-19 pandemic can receive help paying rent through this program.
*CALIFORNIA COVID-19 Rent Relief will help income-eligible households financially impacted by COVID-19 pay rent and utilities, both for past due and future payments. Tenants and landlords are able to apply for assistance through this program.
MOUNTAIN VIEW MEDIATION PROGRAM – The Mountain View Mediation Program provides fast, free and confidential mediation to help people come together to talk about and potentially solve their disputes in a controlled environment. As possible solutions arise, trained mediators help guide participants toward a resolution of their own making. It also assists the City of Mountain View Rent Stabilization Program by providing free mediation and conciliation services to landlords and tenants in Mountain View. This free and confidential Program gives landlords and tenants the opportunity to resolve disputes and solve issues with a trained neutral mediator.
TEMPORARY RENT REDUCTIONS – Emergency regulations adopted by the Rental Housing Committee allow landlords and tenants of rent stabilized units to enter into voluntary short-term agreements that temporarily reduce rent during the COVID-19 pandemic, without changing other terms of the rental contract.
Small Landlord Relief Program- supports small landlords in Mountain View that have tenants financially impacted by COVID-19. Eligible small landlords within Mountain View city limits can apply for a loan of up to $10,000, with 0% interest, no fees, no collateral, and a term of up to one year.
Project Sentinel – assist with disputes over rent payments, evictions or any other housing issues during COVID-19 and beyond.
For information, contact the Mountain View Rental Housing Helpline at (650) 282-2514, email [email protected].
To apply for CA COVID-19 RENT RELIEF, contact CSA via email at [email protected] or call (650) 968-0836 to leave a voicemail.
For more information, contact the Mountain View Mediation Program at (650) 282-2514 or [email protected].
The City is still accepting applications for the Small Landlord Relief Program. Please email Patricia Black to apply for the program.
SANTA CLARA COUNTY
CITY OF SANTA CLARA HOUSING AND COMMUNITY SERVICES
1500 Civic Center Dr, Santa Clara, CA 95050, United States
Calabazas Community Affordable Apartments. The Calabazas Apartments provides 144 units of affordable and supportive housing at 3311 Kifer Road. This announcement is for 64 of the 144 apartments available for application and lottery. Eligibility is income-restricted to households with annual income at or below $58,000 for a household of 1 and $79,560 for household of 2. Eighty (80) units are set aside for households experiencing homelessness and are referred through the County of Santa Clara. Calabazas will offer high-quality affordable rental housing that will be integrated into the community and on-site amenities.
Affordable Rental Housing – HouseKeys is an Affordable Housing Program Administrator who works alongside cities and builders to provide affordable housing opportunities to income-eligible households.
Homeless Assistance – Tenant Based Rental Assistance (TBRA) Program TBRA provides housing assistance in the form of deposits and rental subsidies for up to 12 months (along with case management services) to families with children experiencing homelessness, those fleeing domestic violence, or families with children that are at risk of homelessness. Families will go through the County’s Coordinated Assessment to determine if other services are needed then will be put into the County Queue for referral to Santa Clara’s TBRA program if appropriate.
New affordable apartments will be ready for occupancy in September 2021. Online applications are accepted starting May 24, at 9 a.m. until June 7, 5 p.m.
2. All applications will be entered into a lottery.
3. Income Requirements: The property serves households at 30%, 50% and 60% AMI
1. ONLINE APPLICATION applications are accepted starting May 24.
To be eligible to receive assistance, families must:
1. Have a household income at or below 60% AMI (2 people – $75,840 3 people – $85,320, 4 people – $94,740, 5 people – 102,360);
2. Reside in or have proof of a last permanent address in the City of Santa Clara, or
3. Are currently working or have a verifiable job offer in the city; or
4. Have children in Santa Clara schools. Interested parties may contact Abode Services at 510-657-7409 or Bill Wilson Center at 408-243-0222. Families will go through the County’s Coordinated Assessment to determine if other services are needed then will be put into the County Queue for referral to Santa Clara’s TBRA program if appropriate.
To qualify for the COVID 19 rent relief program: ONLINE APPLICATION For Landlord category: A landlord who has one or more eligible renters, can apply to get reimbursed for 80% of each eligible renter’s unpaid rent between April 1, 2020, and March 31, 2021, and if agreed to waive the remaining 20% of unpaid rent for that specific time period. Requirements include:
1. All payments must be used to satisfy the renter’s unpaid rent for the period between April 1, 2020 and March 31, 2021
2. Renters must take steps to verify that they meet eligibility requirements and sign the application
3. Renter’s household income must be at or below 80% of the Area Median Income (AMI)
Before applying, the following are to be secured*:
1. Property Deed(s)
2. Mortgage Note(s)
3. Property Tax Statement
4. Copy of Property Insurance Statement
5. Lease or rental agreement reflecting renter’s name, residence address, and monthly rent due.
For Renters: Eligible renters can apply for landlords to be reimbursed for 80% of each eligible renter’s unpaid rent between April 1, 2020, and March 31, 2021. The landlord must agree to waive the remaining 20% of unpaid rent for that specific time period. Eligible renters whose landlords choose not to participate in the program may receive 25% of unpaid rent between April 1, 2020, and March 31, 2021. If one or more individuals in your household meet all of the following, you are eligible to apply:
1. Have qualified for unemployment benefits or experienced a reduction in household income, incurred significant costs, or experienced other financial hardship due to COVID–19; and
2. Demonstrate a risk of experiencing homelessness or housing instability, which may include:
-a past-due utility or rent notice or eviction notice;
-unsafe or unhealthy living conditions; or
-any other evidence of such risk, as determined by the program
3. Have a household income that is not more than 80% of the Area Median Incomea.) Reside in the City of Santa Clara; Before applying, the following are needed*
1. Proof of loss of income, or significant costs incurred, due to COVID-19, which may include the following items.
2. Declaration of COVID-Related Financial Hardship
3. A letter of termination from your job
4. Most recent pay stub with employer’s information
5. Proof that you have applied for unemployment benefits
6. Proof that your unemployment benefits have expired, including unemployment benefits provided through the CARES Act
7. For those self-employed: tax records, income statements, or other evidence showing loss of income
8. Other items will be considered
2. To qualify for the Santa Clara Country Homelessness Prevention System, you must be a Santa Clara County resident who:
a.) Has been financially impacted by the pandemic;
b.) Is at-risk of losing your housing; AND
c.) Makes less than 30% of the area’s median income Household Size 1 person 2 people 3 people 4 people 5 people 6 people 7 people 8 people Max yearly Income $34,800 $39,800 $44,750 $49,700 $53,700 $57,700 $61,650 $65,650 Eligible residents will receive assistance to help pay rent, and may also qualify for additional funds to meet other basic needs. The amount of assistance will be determined based on the individual household’s situation and funding availability. All eligible residents are encouraged to apply, and priority will go towards assisting the most vulnerable members of our community.
SANTA CLARA COUNTY
3490 The Alameda, Santa Clara, CA 95050, United States
TRANSITIONAL HOUSING PLACEMENT PROGRAM (THPP) The Transitional Housing Placement Program provides housing and life skills coaching to youth in foster care ages 16-18. The goal of the program is to help youth find and maintain permanent housing and live independently and with confidence.
TRANSITIONAL HOUSING PROGRAM – provides comprehensive services for homeless youth ages 18-24, including young single parents and their children. Young people live in shared, supervised apartments or houses throughout the County while they receive counseling, independent living skills training, parenting classes and employment services. The goal of the 12-18 month long program is to help youth become self-sufficient adults with strong connections to the community.
Bill Wilson Center’s Transitional Housing Placement Program is available for foster youth ages 16-18. This program is only for youth in dependency, either through foster care or juvenile justice.
Bill Wilson Center’s Transitional Housing Program is available for youth ages 18-24 including young parents and their children. Contact Bill Wilson Center at (408) 243-0222 and ask for an Intake Counselor.
SANTA CLARA COUNTY
3490 The Alameda, Santa Clara, CA 95050, United States
RAPID REHOUSING PROGRAM – helps individuals and families avoid homelessness and helps those experiencing homelessness to be quickly re-housed and stabilized using the Housing First approach. Rapid Re-housing funds can provide for a variety of assistance, including: short-term or medium-term rental assistance, housing relocation and stabilization services including: mediation, credit counseling, security or utility deposits, utility payments, moving cost assistance, and case management.
SAFETY NET SHELTER – provides short-term shelter for homeless and runaway youth ages 12-18. shelter operates 24/7 with staff onsite to serve our youth.
RAPID REHOUSING PROGRAM
Contact number (408) 278-2552 BWC’s intervention assistance is offered without preconditions — like employment, income, absence of criminal record, or sobriety — and the resources and services provided are tailored to the unique needs of the household.
Bill Wilson Center’s Safety Net Shelter serves youth ages 12-18. PReach out to Bill Wilson Center at (408) 243-0222 and ask for an Intake Counselor.
SANTA CLARA COUNTY
Homesafe Santa Clara Charities Housing*
611 El Camino Real Santa Clara, CA 95050
Homesafe consists of 24 units of co-housing for survivors of domestic violence, a childcare facility and a resident manager’s unit. The units are affordable to very low-income households.These units offer families an affordable living situation, informal community support, childcare and centralized access to services specifically for battered women and their children
In Santa Clara County, the co-housing model has been shown to be conducive in giving women and their children both the privacy and the community they need to regain control of their lives when transitioning out of an unhealthy living environment.Available for lease to low-income people. Please note that applicants must qualify based on the entire household’s income upon application.
SANTA CLARA COUNTY
Estancia at Santa Clara Apartments Hope Drive Associates*
1650 Hope Drive Santa Clara, CA 95054
“Housing Choices creates affordable and inclusive housing opportunities for people with developmental and other disabilities by securing long-term commitments of set-aside apartments in typical community rental housing. total Units: 450 Affordable Units: 42 one-bedroom units, 42 twobedroom units, 6 three-bedroom units”
For people with developmental and other disabilities, their families. The property management company then subjects the completed rental application to the same tenant underwriting requirements as would apply to other applicants, with any exceptions that may be warranted on an individual basis as a reasonable accommodation for a disability. Once a property manager has approved a lease for an applicant with developmental disabilities, a Resident Coordinator who works at the Partner Property will assist the new resident in understanding and meeting their responsibilities as tenants.
SANTA CLARA COUNTY
Deborah Apartments Housing Authority of the County of Santa Clara*
2215 Deborah Drive, Santa Clara, CA 95050
Serving The Needs Of Low Income Families And Seniors.
Total Units: 20
Affordable Units: 2 one-bedroom units, 2 two-bedroom units
Must be a senior to reside in family housing, but all senior housing has minimum age restrictions. Please apply online to the property that is accepting applications. Waitlist Interest List Applications will only be accepted online for the designated period of time stated, and will be put into a lottery to be placed on the waiting list for that specific property. All other applications will be accepted on-going until noted “WAITLIST IS CLOSED” for any specific property. Phone: 408-370-1393 | Email: [email protected]
SANTA CLARA COUNTY
Eklund Garden I Housing Authority of the County of Santa Clara*
2002 Halford Avenue, Santa Clara, CA 95051
A low-income housing developmenThe property sits in a quiet residential neighborhood.
Total Units: 10
Affordable Units: 10 two-bedroom units
Application Status: Closed
Interest List Status: Waiting list closed – maintained in house.
Income Requirements: Households must be within the 30% income limit.
Special Requirements: Households consisting of ALL full-time students may not qualify
SANTA CLARA COUNTY
Eklund Garden II Housing Authority of the County of Santa Clara*
3780 Poinciana Drive, Santa Clara, CA 95051
A low-income housing developmenThe property sits in a quiet residential neighborhood.
Total Units: 6
Affordable Units: 6 three-bedroom units
Application Status: Closed
Interest List Status: Waiting list closed – maintained in house.
Income Requirements: Households must be within the 30% income limit.
Special Requirements: Households consisting of ALL full-time students may not qualify
SANTA CLARA COUNTY
Westwood Ambassador Charities Housing*
2606 Newhall Street, Santa Clara, CA 95054
Westwood Ambassador Apartments is the acquisition and rehabilitation of a 42-unit apartment complex in the City of Santa Clara. The development serves many low-income single parents and seniors.
Total Units: 42
Affordable Units: 37 one-bedroom units, 5 twobedroom units
SANTA CLARA COUNTY
1820 Main Street, Santa Clara, CA 95050
Belovida Santa Clara brings 27 affordable senior apartments and one manager’s unit to the City of Santa Clara.
Total Units: 28
Affordable Units: 27 one-bedroom units for seniors age 62 and older
Affordability: 100% @ very low income
Population Served: seniors >= 62 yrs of age
Email: [email protected]
Phone: (408) 615-9654
SANTA CLARA COUNTY
Bracher Apartment FPI Management*
2665 South Drive, Santa Clara, CA 95051
Bracher apartment is an affordable senior housing.Low-Income Housing Tax Credit (LIHTC)
Total Units: 72
Affordable Units: 72 one-bedroom units for seniors age 62 and older
Households must earn either less than 50% or 60% of the area median income (depending on the set-aside option chosen by the property owner) to qualify for these units. Rents in these units are capped at a maximum of 30% of the set-aside area median income (adjusted for unit size). Some rental units in this property may not be subject to LIHTC and therefore have higher rents and no maximum household income requirement
SAN JOSE
RENTAL AND DEPOSIT ASSISTANCE -offer other direct financial assistance to support households with financial need and prevent community members from being unhoused, and assist in past-due rent, emergency security deposit (to move in to a new place), utility assistance, and public transportation.
To avail: One must be a resident of Santa Clara County for at least thirty days before applying.
All financial assistance goes directly to the landlord, not to the member applying. You can get more information about the Rental Assistance Fund by calling (408) 780-9134 or emailing [email protected].
SAN JOSE
1400 Parkmoor Ave suite 115, San Jose, CA 95126, United States
Unity Care Housing – Unity Care’s housing programs provides current and former foster youth, including probation youth, ages 16–21 with safe, secure, and affordable housing while they focus on their emotional, educations, and employment goals
With little or no family support, foster youth count on us as their primary safety net. As the COVID-19 pandemic wreaks havoc on all aspects of our lives, we continue to work overtime to keep foster youth safely housed and healthy. We have adapted the operations of our shared homes, including increasing staffing and training, and we are maintaining the provision of higher levels of food and basic necessities. We continue to provide critical preventative and quarantine supplies such as disinfectants, hand sanitizers, thermometers, masks, gloves, laundry detergent, and over-the-counter medicines.
We are also helping our youth and emerging young adults pay for essentials like rent, phones and medicine; since approximately 90% of Unity Care youth work in minimum-wage retail and services industry jobs that have been shuttered or reduced, leaving families without jobs and income. And we are striving to serve the acute needs of homeless youth placed into our transitional housing program.
SAN JOSE
Next Door Solutions To Domestic
234 E Gish Rd #200, San Jose, CA 95112, United States
Housing First Program – is focused on the prevention of homelessness due to domestic violence and helping survivors stay housed. The Housing First Program offers the following services:
-assessment and resource referrals
-education about housing, landlord and tenant rights that will contribute to stronger housing stability and the path for a survivor to become self-sufficient
HomeSafe in San Jose and Santa Clara – addressing the need for long-term housing and support services for domestic violence victims and their children. HomeSafe is the only service of its kind anywhere in Santa Clara County.
Call our 24/7 Crisis Hotline for shelter needs: 408-279-2962.
MILPITAS
City of Milpitas COVID 19 CRISIS ASSISTANCE
455 East Calaveras Blvd. Milpitas, CA 95035
Rental and Utility Assistance Programs:
City of Milpitas Rent Relief Program:
Provides various forms of financial assistance to Milpitas residents and families experiencing emergency housing needs.
Project Sentinel: Renters can qualify for protection from evictions by satisfying the requirements of the State regulation. Project Sentinel also provides assistance around all other types of landlord/tenant issues.
Mortgage Relief: Many lenders and loan servicers are allowing homeowners to delay mortgage payments by providing for a grace period on mortgage payments.
Residential Eviction Moratoriums: Senate Bill 91 extending a statewide moratorium on residential evictions until June 30, subject to terms and conditions.
Santa Clara County Financial Assistance Program: This program offers assistance to extremely low-income Santa Clara County residents with a documented loss of income due to COVID-19.
Types of Available Assistance:
1. Rent/Deposit Relief
2. Emergency Hardship Relief
3. Eviction Prevention
4. Domestic Violence Relocation
5. Child & Family Homelessness
6. Relief
7. Section
8 Good Faith Deposits
For questions about eligibility and screening, please contact the Silicon Valley Independent Living Center: (408) 894-9041
For more information, call Project Sentinel at (408) 946-6582. To apply, Milpitas residents should call LifeMoves at (408) 271-1630.
To apply fo Santa Clara County financial Assistance, click here or call (408) 780-9134. COVID-19 Housing Crisis Line (408) 278-6420
MILPITAS
RENTAL AND DEPOSIT ASSISTANCE – offer other direct financial assistance to support households with financial need and prevent community members from being unhoused, and assist in past-due rent, emergency security deposit (to move in to a new place), utility assistance, and public transportation.
To avail: One must be a resident of Santa Clara County for at least thirty days before applying. All financial assistance goes directly to the landlord, not to the member applying.
You can get more information about the Rental Assistance Fund by calling (408) 780-9134 or emailing [email protected].
CUPERTINO
West Valley Community Services
10104 Vista Drive, Cupertino, CA 95014
1. Haven to Home – Program was created to provide supportive services and access to stable housing resources for those experiencing homelessness and chronically homeless individuals and families.
2. Rapid Rehousing – Program helps individuals and families who are homeless move as quickly as possible into permanent housing and achieve housing stability through rental assistance and supportive services.
3. Vista Village & Greenwood Court Apartments – Vista Village and Greenwood Court. These units are managed through the City of Cupertino Below Market Rate Housing Program and offer permanent housing to low-income households.
Clients are only eligible for this program with a direct referral from Santa Clara County. To begin the process, clients should first meet with one of our case managers for pre-screening and program information. To schedule an appointment, please call (408) 255-8033.
CUPERTINO
1. Housing Assistance Grants – Students who live in Cupertino can apply for limited cash grants to help them avoid eviction or pay move-in costs, so they’re able to continue with their education at De Anza.
2. House Sharing Program – Students can apply to be matched with a Cupertino resident who has room available to rent. While each situation is unique, this typically means renting a bedroom and sharing other living space, such as the kitchen.
Applications will be screened by the college and West Valley Community Services, which will distribute funds to students who qualify.
In order to apply for a Housing Assistance Grant, you must live in Cupertino and
1. Be currently enrolled in at least six units at De Anza
2. Have already completed 12 units or more at De Anza
3. Have submitted the FAFSA (Free Application for Federal Student Aid) or California Dream Act Application
4. Meet the eligibility requirements for the California College Promise Grant (formerly known as the Board of Governors Fee Waiver)
5. Be accepted as a client by West Valley Community Services
In order to qualify for the Cupertino House Sharing Program, you must
1. Be currently enrolled in at least six units at De Anza
2. Have already completed 12 units or more at De Anza
3. Have submitted the FAFSA (Free Application for Federal Student Aid) or California Dream Act Application
4. Meet the eligibility requirements for the California College Promise Grant (formerly known as the Board of Governors Fee Waiver)
5. Be a resident of Cupertino or be willing to move there
CUPERTINO
City of Cupertino / Meriwest Credit Union Emergency Assistance Funds for Cupertino Tenants Impacted by COVID-19 – The City of Cupertino has partnered with Meriwest Credit Union to provide $100,000 in emergency assistance loan funds to Cupertino tenants impacted by COVID-19.
West Valley Community Services Emergency Assistance Funds for Cupertino Tenants Impacted by COVID-19 The City of Cupertino contributed $50,000 in emergency assistance funds to WVCS to assist Cupertino tenants impacted by COVID-19. Eligible households can receive up to $5,000 in grant funds on a first-come first-serve basis while funds are available. Household income may not exceed 100% AMI.
For more information call 1-877-MERIWEST (637-4937) or visit Meriwest.com/rentrelief
Please contact WVCS for information, referrals, and services: [email protected] or 408-366-6092.
CAMPBELL
COVID-19 Rent Relief Program – is a State of California program that will help income-eligible households pay rent and utilities, both for past due and future payments. The program helps families stay in their home and meet the minimum requirement to avoid eviction.
Statewide Eviction Protections – The law temporarily protects tenants from eviction actions being taken for non-payment of rent if the tenant has notified the landlord that due to impacts from the COVID-19 emergency, they are unable to pay full rent. Also until June 30, 2021, a landlord cannot terminate (evict) a tenant without a legal reason (“just cause”).
Eligible renters and landlords can apply directly online at HousingIsKey.com or call Catholic Charities at 408 273-7478
To avail statewide protection, Tenants who notify their landlords of COVID-19 financial impacts CANNOT BE EVICTED on the basis of unpaid rent between March 2020 and June 30, 2021 provided they: Sign and return to their landlord a declaration of COVID-19 related financial impacts; AND Pay at least 25% of the rent due between September 1, 2020 and June 1, 2021 (must pay a total of 25% of the rent due during this period no later than June 30, 2021).
CAMPBELL
RENTAL AND DEPOSIT ASSISTANCE – Sacred Heart Community Service (SHCS) offer other direct financial assistance to support households with financial need and prevent community members from being unhoused and provided the assistance with past-due rent, emergency security deposit (to move in to a new place), utility assistance, and public transportation.
SANTA CLARA COUNTY HOMELESSNESS PREVENTION SYSTEM – provides critical assistance to low-income families and individuals at imminent risk of becoming homeless. Assistance may include immediate cash relief, legal support, and/or other case management services.
STATE PROTECTIONS FOR TENANTS BEHIND ON RENT – provides important eviction protections for residents who are unable to pay rent as a result of the COVID-19 pandemic.
One must be a resident of Santa Clara County for at least thirty days before applying. All financial assistance goes directly to the landlord, not to the member applying. You may email at [email protected] to write us a message or call 408-709-2364.
For Assistance please contact, Homelessness Prevention System Referral Line(408) 926-8885 or send email to: [email protected]
Certain conditions must be met and steps must be taken to qualify for these protections. For more information, please visit the Law Foundation of Silicon Valley or you can also learn more here about tenant rights, eviction protections, and how you can keep your home in Santa Clara County.
FOR SINGLE MOTHERS AND FAMILIES
St. Vincent de Paul Society SVDP – Santa Clara
P.O. Box 5579 San Jose, CA – 95150
Rental Assistance for extremely low income Santa Clara County residents – The Santa Clara County Homelessness Prevention System has rental assistance available for extremely low income residents who need help paying rent.
To qualify, you must be a Santa Clara County resident who:
1. Has been financially impacted by the pandemic;
2. Is at-risk of losing your housing; AND
3. Makes less than 30% of the area’s median income.
To learn more and start an application [click here].
OTHER SUPPORT SERVICES
75 E Santa Clara St # 1350, San Jose, CA 95113, United States
2 ways of Homeownership Assistance
Empower Homebuyers is a down payment assistance loan for first-time homebuyers in Santa Clara County. If a homebuyer has at least 3% of a home’s purchase price saved up, an Empower loan can provide 17% of the price – enabling a down payment of 20% on a home with a sale price of up to $1,100,000.
*No matter the amount borrowed, there are no monthly payments or interest with an Empower homebuyers loan. Instead, when the loan matures, you decide to sell or you refinance your mortgage, you repay the original amount of your loan plus a share of the appreciation of your home.
You will share your appreciation in equal proportion to the amount you borrowed. This means if your loan was 17% of the purchase price, you will share 17% of the appreciation and the rest of the equity that builds up on your home over time is yours. For instance, if you buy a house for $600,000 and use Empower to borrow 17% ($102,000) for the down payment, and the home is later sold for $800,000, you would owe a total of $136,000 (the original loan amount of $102,000, plus $34,000/17% of the $200,000 appreciation).
* Homebuyer Empowerment Loan Program (HELP) HELP assists first time homebuyers with incomes slightly higher than Empower Homebuyers SCC and other down payment assistance programs by allowing a middle-income first-time homebuyers to borrow up to 10% of a home’s purchase price – which means an additional 10% from a first-time homebuyer would reach a down payment of 20%.
*No matter the amount borrowed, there are no monthly payments or interest with a HELP loan. Instead, when the loan matures, you decide to sell or you refinance your mortgage, you repay the original amount of your loan plus a share of the appreciation of your home.
You will share your appreciation in equal proportion to the amount you borrowed. This means if your loan was 10% of the purchase price, you will share 10% of the appreciation and the rest of the equity that builds up on your home over time is yours. For instance, if you buy a house for $600,000 and use HELP to borrow 10% ($60,000) for the down payment, and the home is later sold for $800,000, you would owe $80,000 – $60,000 plus $20,000 (10% of the $200,000 appreciation).
Finally Home Security Deposit program provides a one-time grant up to $2,500 to individuals and families moving to permanent sustainable housing. Applications are made by partner agencies, and priority is given to individuals or families with the greatest need – those who can sustainably remain in permanent housing and are able to demonstrate long-term self-sufficiency.
Qualifications for Empower homebuyers
–You are a first-time homebuyer buying a primary residence in Santa Clara County
-You can put down a minimum of 3% of a home’s purchase price
-You must owner occupy the home -You have pre-approval from an approved California-licensed lender (done prior to submitting application)
-You have completed a HUD-certified 8 Hour Homebuyer Education class through the designated agency
*The gross household income, including all adult household members, must not exceed 120% of the Area Median Income
Program Requirements
1. Purchase price does not exceed $1,100,000
2. Your first mortgage must be 30-year fixed
3. Shared Appreciation: Share of Appreciation, capped for the first ten years of the term of the loan. After ten years, no longer capped. Percentage Share of Appreciation based on percentage of Original Empower Homebuyers SCC principal loan amount to the original purchase price of the home
4. Maximum loan amount: Up to 17% of the purchase price
2.
Qualifications for HELP
–You are a first-time homebuyer buying a primary residence in Santa Clara County or the cities of Menlo Park or East Palo Alto
-You must owner occupy the home
-You have pre-approval from an approved lender (done prior to submitting application)
-You have completed a HUD-certified 8 Hour Homebuyer Education class through the designated agency
-You can put down a minimum of 3% of a home’s purchase price
*The gross household income, including all adult household members, must not exceed 140% of the Area Median Income
Program Requirements
1. Purchase price does not exceed $800,000
2. Your first mortgage must be 30-year fixed
3. Shared Appreciation: Percentage Share of Appreciation based on percentage of original HELP principal loan amount to the original purchase price of the home
4. Maximum loan amount: Up to 10% of the purchase price
How to apply:
1. Complete Online Interest Form (Housing Trust staff will contact you within 3 business days to begin pre-qualification.)
2. Attend Homebuyer Education All borrowers (including non-borrowing spouses) must attend a HUD-certified Homebuyer Education through an in-person or online class from a designated agency
3. Receive pre-approval from a Participating Lender Housing Trust works with all approved California-licensed lenders
4. Eligibility Application With lender pre-approval, complete a Program Eligibility Application and contact Housing Trust staff for an appointment
5. Shop for a home! After you receive your program eligibility approval letter.
6. Submit a Purchase Loan Application Once your purchase sales agreement has been ratified, work with your lender to submit a Purchase Loan Application.
7. Meet for a Counseling Session Once approved, meet with Housing Trust for 1 on 1 counseling session
8. Close on your new home, move in and enjoy!
Qualifications & Applying
Applications for a Finally Home grant must be submitted on behalf of the applicant by one of the partner agencies listed below:
Abode Services
Amigos de Guadalupe
Community Solutions
County of Santa Clara
Family Supportive Housing, Inc.
Goodwill Silicon Valley
The Health Trust
Housing Choices Coalition
LifeMoves
Midtown Family Services
New Directions
Next Door Solutions for Domestic Violence
Sacred Heart
Silicon Valley Independent Living Center
*If you’re an organization interested in providing Finally Home grants, please contact [email protected] to learn how to become a partner agency.
Other Qualifications
Individuals and families moving into rental housing within the County of Santa Clara and are experiencing or at risk of experiencing homelessness may qualify for a Finally Home grant.
The maximum household income also cannot exceed 80% of Santa Clara County’s area median income.”
OTHER SUPPORT SERVICES
435 S 10th St, San Jose, CA 95112, United States
**Housing and Employment
-To ensure the long-term success of our clients, LifeMoves has a variety of programs to assist heads of households in their search for employment and self-sustained housing. A dedicated team of housing specialists, employment specialists, and benefit specialists on-staff support our clients in their diligent efforts to return to self-sufficiency.
*LifeMoves employment programs include:
1. Career skills development
2. Resume workshops
3. Job search support
*LifeMoves housing services include:
1. Rapid Re-Housing programs
2. Assistance locating affordable housing
3. Housing benefits and rental applications
LifeMoves Mountain View is purpose-built to be a safe, secure, and welcoming community for all people regardless of ability, sexual orientation, gender identity, race, and ethnicity. Removing barriers and providing diverse and inclusive interim housing options is one of many prongs of addressing the inequities in access to housing.
OTHER SUPPORT SERVICES
6203 San Ignacio Ave #108, San Jose, CA 95119, United States
Housing Advocacy Housing Choices was born as an advocacy organization, mobilizing stakeholders to create new housing opportunities for people with developmental and other disabilities throughout the area served by San Andreas Regional Center.
Housing Development is a partnership with a housing developer to create new affordable housing (a “Partner Property”) with a percentage of rental units set-aside at affordable rents for people with developmental and other disabilities.
Housing Retention Housing Choices currently supports the housing retention of more than 250 individuals with developmental and other disabilities living in one of our Partner Properties.With the goal of helping all residents retain their housing and live successfully in their new homes.
Housing Navigation intended to help individuals with developmental and other disabilities find housing that suits their specific needs and priorities.
Homeless Case Management Homelessness Prevention System and is able to seek emergency rental assistance for qualifying households who are at immediate risk of becoming homeless.
To qualify for our services, you must be referred by your Regional Center. If you are not a client of a Regional Center, we are unable to provide services to you. The first step in the process to start our services is for the Regional Center Social Worker or Service Coordinator to send a completed interest form to Housing Choices. You can find the interest forms below in English, Spanish, and Vietnamese.
If you are in the middle of a housing emergency or have an immediate housing deadline, you should let your Service Coordinator know. In that case, the Service Coordinator will include additional information that lets Housing Choices know of the situation. When this happens, we will prioritize the request. All other referrals will be date-stamped and served in the order in which they were received.
Once Housing Choices has received the completed interest form, we will check our database to see if there is a history of prior work. We will also contact the primary contact identified on the interest form to learn more about the context of the request. After getting some basic information, we will ask for the Regional Center to issue a Purchase of Service (POS) authorization so that we can start work with you. We are unable to start services until the Regional Center has sent Housing Choices a POS authorization.
After receiving the POS authorization, Housing Choices will schedule an initial intake meeting to help identify your housing needs and goals. Housing Choices then will prepare an individualized housing plan and identify housing choices of the household, taking into account their preferences, income constraints, geographic needs, household size, and housing history. We will work with you to submit completed housing applications for the properties you are interested in. Housing Choices also works with you so you are prepared for the longer term process of being called for housing interviews or being called from a wait list for an affordable housing rental. If you have a Housing Choice Voucher, we will also help you demonstrate your efforts to apply for housing within the available time.
OTHER SUPPORT SERVICES
Housing Rehabilitation Program – Neighborhood Conservation and Improvement Program (NCIP)
Neighborhood Conservation and Improvement Program (NCIP) is a multi-purposed program offering technical and financial assistance to qualified residents. The program is designed for citywide households with gross incomes at or below 80% of County median income. By addressing building/housing code deficiencies and the abatement of hazardous conditions, NCIP aims to improve the habitability, use and occupancy of City housing. All kinds of repairs may be addressed through NCIP: re-roofing, plumbing, heating/cooling, electrical, termite damage, foundation and weatherization are examples. The costs for home repairs are covered under the loan program.
The homeowner benefits are:
1. Correcting hazardous, deficient housing conditions.
2. Increased property values.
3. Expert technical assistance in all phases of the project from start to finish.
4. Follow-up after project completion.
5. Peace of mind knowing the home repairs are being supported by expert City staff.
1. Filled-up and completed application form
2. households with gross income below 80% of median income.INCOME GUIDELINES: Maximum Income Levels*
3. verification and approval. * Financial assistance can come in the form of either a loan, grant or combination of both. Loan interest rates can be as low as 3% and increase according to the household income. Length of time of the loan is typically up to 20 years on either a deferred payment or monthly installment payment basis “