First Time Homebuyer Assistance
The HOP has been designed to meet the needs of low-income families and individuals who want to purchase a new home. HOP is financed with HOME funds provided through the U.S. Department of Housing and Urban Development (HUD) and is subject to the applicable federal regulations. The HOP is available for existing, new construction, approved short sales, and real estate owned (REO) properties. HOP funds are available on a first-come, first serve basis, until all funds are used. For more information, click here.
Mortgage Credit Certificate (MCC) Program
The MCC Program offers qualified first-time homebuyers a federal income tax credit. The homebuyer must work directly with a participating lender. If the homebuyer and the residence to be purchased are eligible, the lender fills out the MCC application on the homebuyer's behalf and sends it to the County for review. If approved, the County will then issue an MCC. After the homebuyer receives the MCC, the homebuyer can take the income tax credit every year, as long as the homebuyer keep the original first mortgage and continue to live in the house as the principal home. For more information, click here.
Southern California Home Financing Authority (SCHFA) First Home Mortgage Program
This program makes buying a home more affordable for qualifying homebuyers by offering a competitive 30-year fixed rate loan and grant for down-payment and closing costs assistance. SCHFA does not lend money directly to homebuyers. Homebuyers must work directly with a participating lender. This program may be used with the HOP and MCC programs, however, the most restrictive program guidelines apply. For more information, click here.
Federal, State, and Local laws prohibit housing discrimination based on certain categories. The laws cover housing for rent or sale, advertising, lending, insurance, steering, redlining, and hate crimes. In California, virtually every unit of housing for rent or sale is covered under the fair housing laws. For more information, click on the links below. Hard copies of the information brochure is also available in the Community Development Department lobby.
Services for Persons with Developmental Disabilities
The Harbor Regional Center is a private, not-for-profit corporation contracting with the State of California for the provision of services to persons with developmental disabilities pursuant to the Lanterman Act. This facility can provide diagnosis and evaluation, information and referral, individual or family service planning, family support, and assistance in finding and using community resources. For more information, click on the links below. Hard copies of the information brochure is also available in the Community Development Department lobby.