HOME PURCHASE RESOURCES
The Housing Trust Fund Down Payment Assistant Loan program (North & South County):
North County – In April 2022 the HTF reactivated its North County Workforce Homebuyer Program. This $2 million homebuyer assistance program provides 30-year deferred down payment loans up to $100,000 for first-time low-income homebuyers.
South County – This $3.5 million homebuyer assistance program provides 10-year simple interest only down payment loans up to $125,000 to help low to middle income workforce homebuyers in South County purchase a home. Loans for market rate homes have a 10-year term and loans for affordable resale restricted homes have a 15-year term. To learn more, visit their website or contact email@example.com.
Ventura County Community Development Corporation (VCCDC)
Living in California, one of the biggest barriers to becoming a homeowner is having the finances to afford a down payment. Our Lending team will work with you to access as much down payment assistance and closing cost assistance as you can qualify for! Through assistance programs like WISH, CALHOME and Hope to Home, we’ve funded more than $8.4 million in down payment assistance for low and moderate income homebuyers. Check out the information below to learn more about our programs. To learn more, visit their website.
HOME BUYING EDUCATION
Since lack of information can be one of the biggest obstacles to home ownership, we provide home buying education webinars as well as an online resource tool to help your employees on their path to home ownership. Our annual home buying fairs provide the information,
tools and resources to navigate the complex home buying process. Sign up for a webinar.
HOME BUYING BENEFIT – COASTAL HOUSING MEMBER EMPLOYEES
The Home Buying Benefit makes buying a home more affordable by significantly reducing the closing costs associated with an employee’s home purchase. These benefits would be available to all of your employees, regardless of income, and not just first-time homebuyers.
MORTGAGE REFINANCE BENEFIT – COASTAL HOUSING MEMBER EMPLOYEES
If an employee is considering refinancing their mortgage, they would be eligible for savings on some of the up-front costs of refinancing through the Mortgage Refinance Benefit.
MOVING BENEFIT – COASTAL HOUSING MEMBER EMPLOYEES
Coastal Housing Partnership has a relationship with a local green moving company to offer savings on the costs of an employee’s move.
MOBILE HOME LENDERS / LOAN OFFICERS
Community West Bank
Clay Dickens, 805-692-4429 NMLS#481260
Montecito Bank & Trust
Oliva Brown, 805-564-7329 NMLS#879698
*Ray Sosa, 805-695-6534 NMLS#337832
PB & Associates
Paul Blanco, 805-623-1044 NMLS#352063
Emma Cavazos, 805-623-1049 NMLS#922617
Veronica Chavez, 805-623-1053 NMLS#6231053
Sandra Farias, 805-623-1052 NMLS#1018090
Alicia Murrillo, 805-623-1043 NMLS#352058
Justine Tell, 805-623-1057 NMLS#1626015
RENTAL BENEFIT – COASTAL HOUSING MEMBER EMPLOYEES
Coastal Housing Partnership has partnered with several local landlords to offer monthly rental reductions through the Rental Assistance Benefit. A dedicated rental search site of rentals in Santa Barbara & Ventura Counties is available to employees of member companies.
Catholic Charities – 805-965-7045
HABITAT FOR HUMANITY SANTA BARBARA HOME REPAIR PROGRAM
The Habitat for Humanity home repair program provides critical repairs, modifications, and maintenance specific to each homeowner’s lifestyle to preserve their home. Habitat Santa Barbara provides low-income homeowners with free interior and exterior home repairs.
Repairs under this program address health, safety, and security issues including improvements and repairs that support aging in place. Contact Habitat Home Repairs – 805-692-2226