Home Ownership

A man and a woman holding out a set of house keys

  • Habitat for Humanity Home Repair:- By providing affordable home repairs, this Home Repair Program preserves homeownership for low-income residents while alleviating critical health and safety concerns.
  • Renew AC Loan Program: Renew AC Loan Program: Renew Alameda County Renew Alameda County (Renew AC) helps residents make home improvements that are necessary to stay, grow, and thrive in their homes.
  • Alameda County Mortgage Credit Certificate Program: This program provides qualified first-time homebuyers with an opportunity to reduce their amount of federal income tax, which increases their overall income and ability to qualify for a mortgage loan. This program is administered by the Alameda County Community Development Department.
  • Workforce Initiative Subsidy for Homeownership (WISH) Program: This Program provides matching grants to qualified first-time homebuyers
  • The State of California Finance Agency (CalHFA) also helps low and moderate-income first-time or non-first time homebuyers purchase a home by providing access to affordable first mortgages and down payment assistance.  Some of the programs offered by CalHFA are the CALPLUS with ZIP, the MYHOME Assistance, and the Extra Credit Teacher programs.  To benefit from the CalHFA loan programs, potential buyers must contact one of the CalHFA-approved lenders or preferred loan officers.
  • Housing and Urban Development Guide to Avoiding Foreclosure: This site includes tips for homeowners to avoid foreclosure and foreclosure rescue scams as well as rental assistance and relocation resources if you can’t keep your home.
  • Foreclosure Prevention Resources: A number of online resources to help your and your family avoid foreclosure.
  • Brace and Bolt Retrofit Program: This program offers free earthquake retrofits to qualified residents who own and live in their own homes.