FEDERAL FINANCIAL HOUSING RESOURCES

 Continuum Of Care Program

Promotes community-wide commitment to the goal of ending homelessness; provides funding for efforts to quickly re-house homeless individuals and families, while minimizing trauma and dislocation; promotes access to and effective utilization of mainstream programs; and optimizes self-sufficiency among individuals and families experiencing homelessness. For more information on the Continuum of Care Program, click here

Home Investment Partnerships (HOME)

Participating jurisdictions may use HOME Investment Partnerships (HOME) funds for a variety of housing activities, depending on local housing needs. Eligible uses of funds include tenant-based rental assistance, housing rehabilitation, assistance to homebuyers, acquisition, and new construction of affordable housing. For more information on the HOME program, click here

Low Income Housing Tax Credit Program (LIHTC)

Created by the Tax Reform Act of 1986, the LIHTC program gives State and local LIHTC-allocating agencies the equivalent of approximately $10 billion in annual budget authority to issue tax credits for the acquisition, rehabilitation, or new construction of rental housing targeted to lower-income households. You can find out more about LIHTC by clicking here

Mortgage Credit Certificate Program (MCC)

Run by the National Council of State Housing Agencies (NCSHA), MCC is a homebuyer assistance program designed to help lower‐income families afford homeownership. The program allows homebuyers to claim a dollar‐for‐dollar tax credit for a portion of mortgage interest paid per year. For more information on MCC, click here

National Housing Trust Fund Program (NHTF)

Targeted to the building, rehabilitation, preservation, and operation of rental housing for extremely low-income people. For more information on NHTF, click here

ADDITIONAL FEDERAL HOUSING RESOURCES

HUD's Office Of Public And Indian Housing

Offers various programs, including Public Housing and Housing Choice Vouchers through the Section 8 Rental Assistance Program. You can find out more about HUD's Rental Assistance Programs by clicking here

HUD Exchange Housing Assistance

Provides links to valuable housing resources, including homelessness assistance, renting, fair housing and much more. You can access the HUD Exchange here

Housing Choice Voucher Program (Section 8)

Helps very low income families, the elderly and the disabled afford decent, safe and sanitary housing in the private market. More information can be found by clicking here

HUD Resource Locator

A useful tool which can be used to find HUD field and regional offices, local Public Housing Agencies (PHAs), multi-family and public housing locations, and more. You can find the Resource Locator here

Single Family Housing Direct Home Loans (Section 502 Direct Loan Program)

Assists low- and very-low-income applicants in obtaining housing in rural areas by providing payment assistance. Learn more and apply here

Single Family Housing Guaranteed Loan Program

Assists low- and very-low-income applicants in obtaining housing in rural areas by providing payment assistance. Learn more and apply here

Multifamily Housing Programs

Provides loans, loan guarantees, and grants to develop and rehabilitate properties for low-income, elderly, and disabled individuals in rural areas. To find out more, click here

Rural Housing Site Loans

Provides loans for the purchase and development of housing sites for low- and moderate-income families in rural areas. You can find out more by clicking here

STATE FINANCIAL HOUSING RESOURCES

California Department of Housing and Community Development (HCD)

HCD provides various programs for affordable rental housing and homeownership assistance, including:

• No Place Like Home Program
• Homekey Program
• Pro-housing Designation Program

To find out more about HCD and its programs, click here

California Housing Finance Agency (CalHFA)

CalHFA offers financing for first time home buyers, as well as affordable rental housing. For more information on CalHFA and its programs (including its mortgage and multi-family programs), visit their website here

Housing Is Key

The Housing Is Key program offers resources for renters, landlords and homeowners. Find out more here

California Public Housing Authorities (PHAs)

To apply for public housing (or Section 8) in California, contact your local PHA. You can find it by following the link here

LOCAL HOUSING RESOURCES

Community Development Commission of Mendocino County (CDC)

The CDC is a Public Housing Authority and the local administrator of HUD, VA, and other housing programs. It works with other agencies to provide an array of services including subsidized rent and low income housing. To find out more about CDC and its mission, visit their website here

HUD Fair Housing and Equal Opportunity (FHEO)

HUD’s Office of Fair Housing and Equal Opportunity (FHEO) works to eliminate housing discrimination, promote economic opportunity, and achieve diverse, inclusive communities. To find out more about FHEO, including information on tenant complaints, click here

California Civil Rights Housing Discrimination (CRD)

The California Civil Rights Department is responsible for enforcing state fair housing laws that make it illegal to discriminate against or harass someone because of a protected characteristic, such as their gender, race, national origin, sexual orientation, gender identity, or religion. The law also requires reasonable accommodations for disabilities and prohibits retaliation against someone for exercising their rights. For more information on the CRD, including information on tenant complaints, click here

PRIVATE HOUSING RESOURCES

 Federal Home Loan Bank Affordable Housing Program

Provides grants or subsidized interest rate loans for purchase, construction, and/or rehabilitation of owner-occupied housing by lower- and moderate-income households and/or to finance the purchase, construction, or rehabilitation of rental housing. For more information on the program, click here

Federal National Mortgage Association (Fannie Mae)

Provides low down payment mortgage to help first-time buyers purchase a home. For more information on Fannie Mae, click here

Federal Home Loan Mortgage Corporation (Freddie Mac) Home Possible Program

Provides mortgages requiring as little as 3 percent down payment. For more information on Freddie Mac, click here

California Community Reinvestment Corporation (CCRC)

Provides long-term mortgage and bond financing for new construction, acquisition, and rehabilitation as well as direct equity investment funds to acquire housing at risk of going to market rate rents. You can find out more by following the link here

Low Income Housing Fund

Provides financing for low-income housing at affordable rates and terms. Find out more here