First-time Homebuyer Resources

Additional Resources for First-time Homebuyers in San Mateo County

Below is a list of additional resources for first-time homebuyers in San Mateo County. Please note that HEART does not administer any of the programs listed below.

Habitat for Humanity Greater San Francisco

Habitat for Humanity Greater San Francisco works on providing local families with affordable homeownership, financial literacy, and neighborhood revitalization in Marin, San Francisco, and San Mateo Counties. Please visit their website or quick links below for more information.

City of San Mateo First-Time Homebuyer and BMR Program

The City of San Mateo sponsors a variety of programs for first-time homebuyers looking to buy a home in San Mateo, including a Below-Market Rate (BMR) program. It is not necessary for the applicant to live or work in the City of San Mateo to apply, however, those that do will receive priority. Please visit their website or contact the Neighborhood Improvement & Housing Division at (650) 522-7220 with additional questions. 

California Housing Finance Agency

CalHFA has mortgage and down-payment assistance options for low and moderate income families. Among other criteria, borrowers must complete homebuyer education courses and obtain a certificate of completion through an eligible homebuyer counseling organization, such as HomeownershipSF. For more information on CalHFA programs, including the Extra Credit Teacher Home Purchase Program and the Mortgage Credit Certificate Program, visit their website.

California Department of Veterans Affairs

CalVet offers home loans products have below market rate interest rates with low or no downpayment requirements for veterans. Visit their website for more information.