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Mayor's Office of Housing
Welcome to the Mayor's Office of Housing ("MOH") Homeownership Resource Page! Now that you have decided to purchase your first home in San Francisco, let us help you!
The first step in the process of purchasing your first home is to learn about the many opportunities available to first-time homebuyers in our city. Some of these opportunities are available through the Mayor's Office of Housing (MOH), but many are not. So, before you apply to any of the programs at MOH, please complete a homebuyer education course and come up with an individual homeownership plan for your situation. Please contact one of our approved first-time homebuyer counseling agencies to get your plan started. After you have completed your homebuyer education and/or counseling, you will be eligible to apply for MOH's various homebuyer assistance programs.
LOAN ASSISTANCE PROGRAMS FOR MARKET RATE UNITS
The Mayor's Office of Housing offers qualified buyers a number of programs that can lower a homeowner's monthly mortgage payment. If you are interested in receiving a second loan to help you purchase a market-rate property, or a tax credit that will lower your monthly payments, you may be eligible to use the following programs:
Down Payment Assistance Loan Program (DALP) - Regular DALP Funds are out, please click here and read DALP Alert for new guidelines for the remaining funds.
Teacher Next Door Program (TND)
Police in the Community Program (PIC)
Mortgage Credit Certificate (MCC) Program
Reissue Mortgage Credit Certificate (RMCC) If you are current MCC holders and want to refinance your existing mortgages, contact one of our participating lenders, you must use a participating lender in order to continue to receive the tax benefits through your MCC. If you do not use a participating lender, you are NOT qualified for a Reissue MCC.
NEW REFI Mortgage Credit Certificate Program (REFI MCC) start accepting applications on July 6, 2009
AFFORDABLE BELOW MARKET RATE (BMR) UNITS
The Mayor's Office of Housing offers qualified buyers the option of purchasing homes that are priced below the typical market rate price. These homes must be sold to low-to-moderate income households and are restricted in their resale price. If you are interested in purchasing a restricted Below Market Rate (BMR) unit through the Mayor's Office of Housing, you may be eligible to use the following programs:
Below Market Rate Inclusionary Housing Program (Units built from 1992 to present)
Below Market Rate Condo Conversion Program (Units built prior to 1988)
Affordable below market rate units are also available through the San Francisco Redevelopment Agency (SFRA).
CURRENT LISTINGS
Please visit the Affordable Homeownership Opportunities page to view properties currently available for sale under the Mayor's Office of Housing.
HOUSING EMAIL ALERT SYSTEM
Please sign up for our Housing Email Alert System to learn about every new affordable ownership opportunity as it becomes available, including San Francisco Redevelopment Agency affordable homeownership units.
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