California Homebuyer Resources

Kelley Nayo-Jahi

Welcome

My name is Kelley Nayo-Jahi, and I am passionate about supporting people toward improving their financial condition. Although my family experienced poverty during my youth, I was given the opportunity to pursue a formal education. In my adulthood, I began a personal quest to strengthen my relationship with money and create financial stability as well as opportunities for my loved ones. It is my honor to share the wisdom of my journey with the Landed community.

If you're thinking about buying a home but are not sure you're ready, we are pleased to share this database of organizations who offer a wide range of homebuying education services. The database contains resources in a number of cities and counties throughout the state. Feel free to connect with the organizations in your community to discover ways to create more financial security in your life. 

We look forward to supporting you in your financial wellness journey.

Kelley Nayo-Jahi
Community Resources Lead

National Resources

Affordable Housing

Below Market Rate (BMR) Ownership

These are units priced below market rate, sold by lottery. Typically homebuyer education and counseling are required assets and income restrictions are based on Area Median Income. This is a good option for homebuyers who are hoping to gain stability versus paying a lot of money on rent each month.

Affordable-Housing.org

This website provides resources for programs, preparation, education, etc. for low-income households.

Credit Score Resources

Student Loan Debt and Counseling

The National Foundation for Credit Counseling is a nonprofit organization that helps users understand debt (student loan and otherwise) and advises them on repayment options. With deep knowledge of the various student loan programs and, more importantly, the repayment options available under each one, they will work with users to review their entire financial situation. They not only look at student loan debt, but also at any other outstanding debt users may have, such as a mortgage or credit card debt.

Debt Management Plan

This is a program that helps people with severe debt manage and pay off all their creditors. A DMP sets up a payment schedule to repay debts. By voluntary agreement, users deposit funds with the credit counseling agency each month. The credit counseling agency sends those funds directly to creditors. If collectors call, users can ask them to contact the agency they are working with. Users may also receive a reduction or waiver in finance and/or other charges. When users have completed their payments, the agency will assist them in reestablishing credit.

Mission Asset Fund: Lending Circles

Mission Asset Fund (MAF) is a national nonprofit creating a fair financial marketplace for hardworking families. One of their programs, Lending Circles, is a safe space to save and build credit, while also gaining a financial education. Across the world, friends and family come together to lend money to each other. Lending Circles has transformed this practice into a safe way to build credit. Typical monthly payments are between $50-$200.

Down Payment Assistance Programs

FHA Loans

This loan is insured by the Federal Housing Administration and allows consumers to put as little as 3.5% down to buy a home. FHA loans have been helping people become homeowners since 1934. The FHA, which is a part of the U.S. Department of Housing and Urban Development, insures the loan so lenders can offer a better deal.

Down Payment Resource

This website provides a database of down payment programs specific to each person's financial situation as well as their location. By following the directions on the website, users will be provided with a host of options for down payment support programs.

Financial Planners

Matt Becker, matt@momanddadmoney.com (virtual)

This is a financial planner whom some Landed customers have worked with in the past. 

Charlie Bolognino, charlie@sidebysidefinancial.com (virtual)

This is a financial planner whom some Landed customers have worked with in the past. 

GreenPath Financial Wellness (virtual)

GreenPath helps people look at their holistic financial situation and assist in achieving their financial goals. They don't have Bay Area offices, but they can work with consumers over the phone for free, or for a small fee if users would prefer a customized management program.

Learning Opportunities

Consumer Financial Protection Bureau

This is a U.S. government agency that offers tools to ensure banks and other financial institutions treat consumers fairly. They aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. They protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. They also arm people with the information, steps, and tools that they need to make smart financial decisions. Their "Consumer Tools" section offers resources on credit scores, mortgages, and owning a home.

My FirstHome® Online Course

This is a free online program through Wells Fargo to help users understand homeownership steps and facts in a fun, interactive way. This free, interactive learning experience provides an overview of what consumers need to know to become a successful homeowner. Completing the program takes about an hour; users can stop and resume at the same spot at any time.

Programs for people without an SSN

ITIN Number

This is a program that helps users get set up for homeownership without an SSN by opting to instead get an ITIN Number (Individual Taxpayer Identification Number ). The ITIN Number has many of the same characteristics and benefits as a Social Security Number – but is given to those people who cannot get an SSN.

Mission Asset Fund: Lending Circles

Mission Asset Fund (MAF) is a national nonprofit creating a fair financial marketplace for hardworking families. One of their programs, Lending Circles, is a safe space to save and build credit, while also gaining a financial education. Across the world, friends and family come together to lend money to each other. Lending Circles has transformed this practice into a safe way to build credit. Typical monthly payments are between $50-$200.

Savings

Acorns

This is an app that takes spare change from users' purchases and makes "micro-investments" for them. The money is invested into a portfolio of their choice depending on their savings preferences (i.e. conservative, more risky, etc.). Every dollar invested is automatically diversified across 7,000 stocks and bonds to help improve return while reducing risk.

The Down Payment Movement

This is a network of people helping each other save up for down payments together.

EarnUp

This is an online platform that helps users pay off all different kinds of debt in one place. It calculates ways to help users pay off debts sooner while saving more money in the process. EarnUp can be used with home mortgage, auto loan, student loan, or credit card loan. Membership costs $9.95/month.


Regional Resources

Down Payment Assistance Programs

CalHFA School Teacher and Employee Assistance Program 

CalHFA has some down payment assistance programs that allow users to put as little as 3.5% down to buy a home - there are income and property eligibility requirements. This program is for teachers, administrators, school district employees and staff members working for any California K-12 public school, which includes Charter schools and county/continuation schools. School Program junior loans are up to 4% of the purchase price, and can only be combined with an eligible CalHFA first mortgage loan. School Program subordinate loans can only be used for down payment assistance and/or closing costs.

Learning Opportunities

Bay Area Financial Education Foundation

The Bay Area Financial Education Foundation's mission is to improve the economic education and financial literacy of Bay Area youth and to promote professional certification in the financial services industry. They offer workshops and resources geared towards students and educators alike. The program provides free training workshops for high school economics teachers throughout the year, and features university professors and industry professionals who provide lesson plans, demonstrate classroom activities, and share their favorite teaching resources for economics and personal finance. Teachers throughout the Bay Area are invited to participate. Workshops are held in February, June, and October, and qualify for college CE credit.

California Council on Economic Education

The California Council on Economic Education (CCEE) provides economics and financial literacy training and resources to K-12 teachers, students, and parents throughout California. CCEE’s overarching mission is to help California’s students gain a real-world understanding of economics and personal finance, so they can make better decisions and compete and succeed in the global economy.

 


 

Northern California

Alameda County

Down Payment Assistance Programs

NeighborhoodLIFT

To support sustainable homeownership and advance neighborhood stability, the Wells Fargo NeighborhoodLIFT program delivers down payment assistance and financial education to homebuyers in collaboration with NeighborWorks® America and local nonprofit organizations. If eligible, consumers have the opportunity to reserve a $30,000 down payment assistance grant. Consumers household income must not exceed 100% of Area Median Income to qualify. Property must be single-family (attached or detached), 2-4 unit, condos, townhomes, planned unit developments, co-ops, land trust, and manufactured homes that meet Fannie Mae, Freddie Mac, FHA, and VA guidelines. Property must be an owner-occupied primary residence.

POPPY Loan

POPPY Loan is a private, zero down payment loan available to anyone who works in San Francisco or San Mateo County and wants to buy a home in any of the 9 Bay Area Counties. Financing is available up to 100% of the purchase price or appraised value, whichever is less. Loan amounts up to $2,000,000 are available to purchase a primary residence. No Private Mortgage Insurance (PMI) is required.

Learning Opportunities

Project Sentinel

Project Sentinel is a nonprofit that helps potential first-time buyers learn the basics of the purchase process from certified experts. The eight-hour First-Time Home Buyer Classes are held monthly and cost $50.

Richmond Neighborhood Housing Services

Richmond Neighborhood Housing Services has a 3-step program that includes a homeownership class, assistance eligibility checks, and agent set-ups so that consumers can access homeownership.

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Programs for people without an SSN

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

 


 

Contra Costa County

Down Payment Assistance Programs

CalHome

CalHome offers up to $38,000 in a “silent” down payment assistance loan for low-income households purchasing in Contra Costa County. Silent means the consumer never makes a payment on the loan for as long as they live in the home. The program provides grants to local public agencies and nonprofit developers to assist individual first-time homebuyers through deferred-payment loans for down payment assistance, home rehabilitation (including manufactured homes not on permanent foundations), acquisition and rehabilitation, homebuyer counseling, self-help mortgage assistance, or technical assistance for self-help homeownership. All funds to individual homeowners will be in the form of loans. Note: CalHome does not lend directly to individuals.

NeighborhoodLIFT

To support sustainable homeownership and advance neighborhood stability, the Wells Fargo NeighborhoodLIFT program delivers down payment assistance and financial education to homebuyers in collaboration with NeighborWorks® America and local nonprofit organizations. If eligible, consumers have the opportunity to reserve a $30,000 down payment assistance grant. Consumers household income must not exceed 100% of Area Median Income to qualify. Property must be single-family (attached or detached), 2-4 unit, condos, townhomes, planned unit developments, co-ops, land trust, and manufactured homes that meet Fannie Mae, Freddie Mac, FHA, and VA guidelines. Property must be an owner-occupied primary residence.

POPPY Loan

POPPY Loan is a private, zero down payment loan available to anyone who works in San Francisco or San Mateo County and wants to buy a home in any of the 9 Bay Area Counties. Financing is available up to 100% of the purchase price or appraised value, whichever is less. Loan amounts up to $2,000,000 are available to purchase a primary residence. No Private Mortgage Insurance (PMI) is required.

Learning Opportunities

Richmond Neighborhood Housing Services

Richmond Neighborhood Housing Services has a 3-step program that includes a homeownership class, assistance eligibility checks, and agent set-ups so that consumers can access homeownership.

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Programs for people without an SSN

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Savings

CC-MATCH / IDA Program

CC-MATCH / IDA Program (through the Community Housing Development Corporation) helps users save for down payments by matching their savings three times toward the purchase of your new home. To qualify, you must be a first-time homeowner, meaning that you cannot have owned a home that you’ve lived in within the past three years.

 


 

Marin County

Affordable Housing

Habitat for Humanity

This is a "sweat equity" program where a home is built from the ground up and sold at cost. There is a 0% interest mortgage and no money down. Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee if applicable) equal to 30% of their monthly income. Since 1989, Habitat has built 248 homes in San Francisco, Marin, and San Mateo Counties.

Down Payment Assistance Programs

POPPY Loan

POPPY Loan is a private, zero down payment loan available to anyone who works in San Francisco or San Mateo County and wants to buy a home in any of the 9 Bay Area Counties. Financing is available up to 100% of the purchase price or appraised value, whichever is less. Loan amounts up to $2,000,000 are available to purchase a primary residence. No Private Mortgage Insurance (PMI) is required.

Learning Opportunities

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Programs for people without an SSN

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.


 

Monterey

Affordable Housing

City of Monterey

Offers apartments and low-income housing for the people that need it.

Eden Housing

Low-income housing for farmers in the area and their families.

Credit Scores

Carmel Mortgage

Improves and corrects errors found in your credit score.

Down Payment Assistance Programs

Find My Way Home

Helps first-time homeowners with down-payments.


 

San Francisco 

Affordable Housing

Habitat for Humanity

This is a "sweat equity" program where a home is built from the ground up and sold at cost. There is a 0% interest mortgage and no money down. Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee if applicable) equal to 30% of their monthly income. Since 1989, Habitat has built 248 homes in San Francisco, Marin, and San Mateo Counties.

Down Payment Assistance Programs

Down Payment Assistance Program (DALP)

The Down Payment Assistance Loan Program provides down payment assistance, in the form of a deferred payment loan up to $375,000, to qualified low and middle-income first-time homebuyers for the purchase of a market-rate principal residence in San Francisco. The DALP is a silent second loan that requires no monthly payments for 30 years. The principal amount plus an equitable share of appreciation shall become due and payable at the end of the term, or repaid upon sale or transfer.

Teacher Next Door

The Mayor's Office of Housing and Community Development (MOHCD) administers the Teacher Next Door (TND) Program to assist educators employed with the San Francisco Unified School District (SFUSD) with the purchase of their first home in San Francisco. Up to $20,000 in TND funds can be used for down payment and closing costs to purchase a below market rate (BMR) or a market rate unit in conjunction with any other subordinate financing as long as the borrower meets all program qualifications. The term of the TND is 10 years. There is no interest, nor shared appreciation. After the 5th year, the loan is forgiven at the rate of 20% per year, and at the end of the 10th year, the loan is forgiven in its entirety.

City Second Loan Program

The Mayor's Office of Housing and Community Development offers financial assistance in the form of loans to eligible first-time homebuyers with no interest and deferred payment. The repayment amount will be the principal balance plus a share of appreciation in the value of the property at the time of resale. The City loan is in the second position on the title after the first mortgage and can be repaid at any time without penalty.

WISH/IDEA

The Federal Home Loan Bank's Workforce Initiative Subsidy for Homeownership (WISH) Program is a tax benefit program that provides grants to qualified homebuyers at 80% of Area Median Income. WISH will provide up to $15,000 per household, matching up to $3 for every dollar contributed by the homeowner toward the purchase of the home. Homeowners must save a minimum of $5,000 to qualify for the $3-to-$1 match. This program is possible only through certain banks and is forgivable after 5 years.

NeighborhoodLIFT

To support sustainable homeownership and advance neighborhood stability, the Wells Fargo NeighborhoodLIFT program delivers down payment assistance and financial education to homebuyers in collaboration with NeighborWorks® America and local nonprofit organizations. If eligible, consumers have the opportunity to reserve a $30,000 down payment assistance grant. Consumers household income must not exceed 100% of Area Median Income to qualify. Property must be single-family (attached or detached), 2-4 unit, condos, townhomes, planned unit developments, co-ops, land trust, and manufactured homes that meet Fannie Mae, Freddie Mac, FHA, and VA guidelines. Property must be an owner-occupied primary residence.

POPPY Loan

POPPY Loan is a private, zero down payment loan available to anyone who works in San Francisco or San Mateo County and wants to buy a home in any of the 9 Bay Area Counties. Financing is available up to 100% of the purchase price or appraised value, whichever is less. Loan amounts up to $2,000,000 are available to purchase a primary residence. No Private Mortgage Insurance (PMI) is required.

Learning Opportunities

homeownershipsf

A citywide collaboration of experienced, nonprofit homeownership service providers, HomeownershipSF serves as a centralized resource for affordable homeownership opportunities and foreclosure intervention education and counseling in San Francisco. The website provides resources and programming for first-time homebuyers, and they also offer educator-specific programming.

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Programs for people without an SSN

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

 


 

San Mateo County

Affordable Housing

Habitat for Humanity

This is a "sweat equity" program where a home is built from the ground up and sold at cost. There is a 0% interest mortgage and no money down. Approved homeowners qualify for a monthly housing payment (mortgage, property tax, insurance, HOA fee if applicable) equal to 30% of their monthly income. Since 1989, Habitat has built 248 homes in San Francisco, Marin, and San Mateo Counties.

Credit Scores

Sparkpoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Down Payment Assistance Programs

HEART of SMC

Together with Meriwest Mortgage, a subsidiary of Meriwest Credit Union, HEART has created a unique loan package that is not offered by any other lender. Users can purchase a home with a 5% down payment and no PMI (Private Mortgage Insurance).

Homebuyer Empowerment Loan Program (HELP)

HELP will assist middle-income first-time homebuyers with down payment assistance of up to 10% of the purchase price with a maximum purchase price of $800,000. This loan is a 30-year deferred loan plus a share of appreciation. Borrowers will repay the principal loan amount plus a share of the appreciation based on the percentage of the loan borrowed through HELP. No monthly principal or interest payments required! Payment is deferred until Maturity Date is reached, the home is sold, or the first mortgage is refinanced. Annual gross household income for the applicants cannot exceed 140% of the Santa Clara County Area Median Income by household size.

POPPY Loan

POPPY Loan is a private, zero down payment loan available to anyone who works in San Francisco or San Mateo County and wants to buy a home in any of the 9 Bay Area Counties. Financing is available up to 100% of the purchase price or appraised value, whichever is less. Loan amounts up to $2,000,000 are available to purchase a primary residence. No Private Mortgage Insurance (PMI) is required.

NeighborhoodLIFT

To support sustainable homeownership and advance neighborhood stability, the Wells Fargo NeighborhoodLIFT program delivers down payment assistance and financial education to homebuyers in collaboration with NeighborWorks® America and local nonprofit organizations. If eligible, consumers have the opportunity to reserve a $30,000 down payment assistance grant. Consumers must have 100% of Area Median Income to qualify. Property must be single-family (attached or detached), 2-4 unit, condos, townhomes, planned unit developments, co-ops, land trust, and manufactured homes that meet Fannie Mae, Freddie Mac, FHA, and VA guidelines. Property must be an owner-occupied primary residence.

Financial Planners

mira@aspire-planning.com

Mira Ma is a financial planner whom several of our customers have worked with in the past. She is based in San Mateo and her email address is mira@aspire-planning.com.

Learning Opportunities

First-Time Home Buyer Classes

Project Sentinel helps potential first-time buyers learn the basics of the purchase process from certified experts. The eight-hour First-Time Home Buyer Classes are held monthly and cost $50.

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Programs for people without an SSN

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

 


 

Santa Clara County

Down Payment Assistance Programs

Homebuyer Empowerment Loan Program (HELP)

HELP will assist middle-income first-time homebuyers with down payment assistance of up to 10% of the purchase price with a maximum purchase price of $800,000. This loan is a 30-year deferred loan plus a share of appreciation. Borrowers will repay the principal loan amount plus a share of the appreciation based on the percentage of the loan borrowed through HELP. No monthly principal or interest payments required! Payment is deferred until Maturity Date is reached, the home is sold, or the first mortgage is refinanced. Annual gross household income for the applicants cannot exceed 140% of the Santa Clara County Area Median Income by household size. 

POPPY Loan

POPPY Loan is a private, zero down payment loan available to anyone who works in San Francisco or San Mateo County and wants to buy a home in any of the 9 Bay Area Counties. Financing is available up to 100% of the purchase price or appraised value, whichever is less. Loan amounts up to $2,000,000 are available to purchase a primary residence. No Private Mortgage Insurance (PMI) is required.

Learning Opportunities

First-Time Home Buyer Classes

Project Sentinel helps potential first-time buyers learn the basics of the purchase process from certified experts. The eight-hour First-Time Home Buyer Classes are held monthly and cost $50.

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Programs for people without an SSN

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

 


 

Santa Cruz County

Down Payment Assistance Programs

HOME - Home Investment Partnership Program

The County of Santa Cruz HOME First-Time Home Buyer Program provides a down payment loan of up to $150,000 to income-eligible purchasers towards the acquisition of a condominium, townhome, or single-family residence in the unincorporated areas of Santa Cruz County.

 


 

Solano County

Down Payment Assistance Programs

NeighborhoodLIFT

To support sustainable homeownership and advance neighborhood stability, the Wells Fargo NeighborhoodLIFT program delivers down payment assistance and financial education to homebuyers in collaboration with NeighborWorks® America and local nonprofit organizations. If eligible, consumers have the opportunity to reserve a $30,000 down payment assistance grant. Consumers must have 100% of AMI to qualify. Property must be single-family (attached or detached), 2-4 unit, condos, townhomes, planned unit developments, co-ops, land trust, and manufactured homes that meet Fannie Mae, Freddie Mac, FHA, and VA guidelines. Property must be an owner-occupied primary residence.

Learning Opportunities

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.

Programs for people without an SSN

SparkPoint Center

SparkPoint is a nonprofit organization that helps consumers get ready for homeownership, build credit, file taxes, settle debts, and much more. All of their services are free, and a Social Security number is not required for their use. Consumers get one-on-one coaching to help take control of finances in three key areas: increasing income, managing credit, and building assets. There are several SparkPoint centers in the Bay Area.


 

Southern California

Los Angeles County

Affordable Housing

Community Development Commission

Serves LA county with affordable housing and community and economic development. Provides subsidized housing development, and preservation.

LA Investment Projects

Helps low-income first-time homebuyers get started and teaches them the right way to buy homes.

Credit Scores

Consumer Credit Company

Credit Counseling, 633 W 5th Street

Pronto Credit Repair

Credit counseling, repair, and debt consolidation.

Enrich Financial

Credit repair specialists.

Financial Planners

David Rae

David Rae, Independent Financial Advisor

Samuel Rad

Samuel Rad, a high rated independent financial advisor in LA County

Learning Opportunities

Neighborhood Housing Service

Homebuyer education for LA County


 

Orange County

Affordable Housing

HomeAid OC

Reaches out to end homelessness for domestic abuse victims, children, families, and veterans.

Jamboree Housing

Provides affordable homes, catering to families, seniors, veterans and formerly homeless.

Orange County Community Housing Corporation

Has over 200 homes available for very-low income families.

Credit Scores

First Choice Debt Relief

Help reduce credit card debt; no fees unless they have helped you save money.

Down Payment Assistance Programs

Brown Stone Law Group

Debt settlement company and bankruptcy attorney

Financial Planners

20/20 Financial

Attempts to help with every issue impacting your financial future. Offers Investment Management, Tax Strategies, and Education Funding services and more.

Klein Financial

Their goal is to help independent women gain the confidence to navigate lives transitions.

Pence Wealth Management

Provides quality financial management to individual investors.

Learning Opportunities

NeighborWorks OC

Non-profit organization that encourages building wealth through homeownership. Also offers courses on homebuying, down payment assistance, and affordable housing for any income level.

Savings

Orange County Tax Saving Program

Programs and homeownership assistnce offered by the City of Orange County for seniors, veterans, and more.


 

San Diego County

Affordable Housing

Community HousingWorks

Filters affordable apartments for rent.

Housing SD

Basic low- and middle-income homebuying help from the City of San Diego.

Credit Scores

Baby Boomers Financial

They offer credit restoration as well and help you keep tabs on your credit reports.

DebtWave

They offer credit counseling and debt management programs, as well as learning opportunities within their programs.

Oryzon Credit

They offer credit repair, and are rated as the #1 credit resource in San Diego.

Financial Planners

Bull Oak Capital

Offers financial advisory and planning, as well as investment services.

Lucia Capital Group

Helps with financial planning, investments, managing risk and retirement.

Worthpointe

Tries to make it simple, and the best and most realistic situation for you and your families goals.

Learning Opportunities

San Diego 1st Time Homebuyer Secrets

A story about how the 1st time homebuying program for San Diego works as advertised and can help you realize a house of your dreams.

San Diego Financial Literacy Center

Provides informational videos and programs to help SD County residents increase their financial literacy.


 

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