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San Leandro First Time Home Buyer Program
Bay Area Programs included; Oakland First Time Home Buyer Program, City of Alameda First Time Home Buyer Program, Alameda County Program, Fremont First Time Home Buyer Program, the Hayward Program and CALHFA Program can be found at this link.
Helpfull Telephone Numbers
City Clerk 577-3368
Fire Dept (non emergency)638-2121
Graffiti Hotline   577-6094
Police Dept (non emergency)    577-3201
Job Hotline577-3397
Airport Hotline   577-4194
Pot Holes  577-3400
Community Relations577-3358
Public Works    577-3440
Complaince Complaints     577-3462



Senior Services
San Leandro Partransit577-3441
Healthy Insurance Coounseling
   and Avocacy Program    839-0393
Legal Assistance for Seniors     832-3040
Spectrun Comm. Serv Inc  881-0300
Alameda County Adult
   Protective Services567-6894
Alameda In-Home Support 567-8080
Alameda Meals on Wheels865-6131
American Red Cross 814-4200
Center for Independent Living     814-4776



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Scott G. Harrison
Local San Leandro Realtor
510-388-4536

Don't miss the next Buyer Seminar. Details Click here
Revised January 2013

City Of San Leandro
First-Time Homebuyer Program
For information on upcoming City and approved free first time homebuyer seminars (conducted by Bay Area Home Buyer Agency), please go to http://www.myhomegateway.com/, or call (888) 572-1222, ext. 110 .  The City of San Leandro contracts with BAHBA to adminster the seminars, counseling and the Inclusionary Housing Ownership Program

Older info about the program is below:

City Hall 835 East 14th Street  San Leandro, CA  94577
  
What is the First-Time Homebuyer Program?
It is a second mortgage loan program to assist qualified low- and moderate-income borrowers with the purchase of their first home.
The funds are used toward a down payment and /or closing costs.  The program funding source is the Redevelopment Agency's Housing Set-Aside Fund.

Who is eligible for a loan?
Borrower must be a first time homebuyer:  a household that has not owned its principle place of residence within the last three years.

The household's combined income must be at or below 120% of the Area Median Income, adjusted by household size.  The income limits follow the State Office of Housing and Community Development guidelines.

2009 Income Limitations
Household size  1  max income $75,000
Household size  2  max income $85,700
Household size  3  max income $96,450
Household size  4  max income $107,150


Is there a maximum sale price?
Yes the Redevelopments Law proghbits the new homebuyer from paying more than 35% of their income for housing costs, including house payments, interest, insurance, maintance and utilities.  Therefore, there is a maximun amount for the mortgage and hence a maximum sale price that is allowed.

What are the loan terms and interest rates?

It is a twenty-year loan with a fixed rate of 3% per year.
Loan repayment is deferred for the first five years with no interest accrual during that period.  Payments begin in the 6th year and continue through the end of the twenty-year term.  The buyer must repay the loan if the property is sold, transferred, refinanced to take cash out, or converted to rental property.
Homebuyers who earn less than 80% of the area median may qualifie to defer repayment of loan and accrued interest until sale, or transfer of property, refinance for cash out, or conversion to rental property.


Will training workshops be provided?
The City will offerfree seminars annually to prospective first time buyers.  The workshops cover topics related to purchasing a home:

Borrowers must attend a City approved seminar to be
eligible for a FTHB loan.

Funds are limited.  Assistance is provided on a first-come, first-served basis, and as long as funds remain available.
Borrowers must qualify for the first mortgage to be eligible for the First-Time Homebuyer Program.

What type of home can I purchase?
Homebuyers may purchase a new or existing single-family detached home, condominium, or townhouse unit.
The home must be located within the City of San Leandro municipal boundaries.
Where can I apply?


For additional information please contact:
San Leandro City Housing Division at
(510) 577-6004
Or  Bay Area Home Buyer Agency (BAHBA)
at 888-572-1222 x 125
Updated 5/2009 the below information may not still apply.

   What is the process after attending the Seminar?
Step 1 Borrower locates an eligible unit within the City of San Leandro.
Step 2Borrower enters into a Purchase Contract.
Step 3Borrower selects the Lender..
Step 4Borrower submits complete application to lender.
Step 5Lender submits application packet to the Agency for review.
Step 6Agency approves or denies the First Time Homebuyer loan application within five working days of receipt of completed application.
Step 7Escrow officer drafts loan documents.
Step 8Borrower signs loan documents at close of escrow.

Oakland First-Time Homebuyer Mortgage Assistance Program

Oakland Public safety employee & OUSD teachers down payment assistance..

Mortgage Credit Certificate  (Countywide program )


San Jose First Time Buyer Program  (Uses a state wide program) California Housing Finance Agency CALHFA Program info 916-324-6589


California Homebuyer's Down payment Assistance program (CHDAP)
Alameda county Median income limits
1 person 77,550  2 person 88,600 3 person 99,700  4 person 110,750  5 person 119,600


The information on this page comes from a reliable source but may not be current. 
Scott Harrison of Coldwell Banker Residential Real Estate phone 510-388-4536
assumes no liability for its accuracy but will gladly make changes
should you want have more updated information for this page.

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