Affordable Housing
- Affordable Housing Viewer
- Community Development Block Grant Program (CDBG)
- Assist nonprofit public service organizations that provide services and housing to low and moderate income residents.
- Inclusionary Housing Program
- Information about the affordable home ownership program
- Mobile Home Information
- Useful information for Mobile Home Owners
- Rehabilitation Loan Program
- Low interest-rate loans are available for fixing up single-family homes, mobile homes, condos, townhomes, and apartment buildings.
- Other Housing Programs
Annual Housing Successor Report (Per Senate Bill 341):
- Annual Housing Successor Report Fiscal Year 2022-23
- Annual Housing Successor Report Fiscal Year 2021-22
- Annual Housing Successor Report Fiscal Year 2020-21
Guia de Practicas Acreditas Seguras Para Trabajar con el Plomo Remodelar Correctamente
Prestamos y Subvenciones
Que es Vivenda Justa - Fair Housing Foundation
Frequently Asked Housing Questions
Housing
Affordable Ownership Housing
The City of Huntington Beach Inclusionary Housing Program
The City provides for affordable low, median, or moderate-income families through a City-wide Inclusionary Housing Program. Homes become available for purchase by eligible buyers when new developments are built or when existing homeowners decide to sell.
The Inclusionary homes have an affordability period of up to 60 years from the time a home was built. Any Inclusionary Housing Program home that is sold must be purchased by an eligible buyer and the price of the home must fall within an affordable price limit calculated by the City. Prices are calculated for affordability. This calculation is not driven by property values or other market conditions.
The City records a lien on each affordable home that remains on title for the duration of the affordability period. The lien ensures that the City is able to enforce the Inclusionary Housing Program requirements, including the resale restrictions.
Buying an Affordable Home
From time to time, affordable homes are available for purchase. To be eligible to buy one of these homes, your total household income must be within certain limits. Most homes are restricted to moderate-income buyers; a limited number are restricted to low or median-income buyers. The City examines total gross income (before taxes or deductions) from all sources for all household members, even if not all household members are related or intend to be named on the mortgage or title. Home buyer eligibility is based only on gross household income; net worth is not considered.
If you find an affordable home that you are interested in buying, you or your Realtor should contact the listing Realtor and negotiate a purchase offer. After your offer is accepted, you will be given several forms to complete, and you will be asked to provide copies of recent pay stubs, bank statements, and tax forms; occasionally, additional documentation may be required. This information is necessary to verify your income eligibility. The Community Enhancement Division staff will examine these documents for the sole purpose of determining eligibility.
Maximum Selling Price
At the time of initial sale and for all re-sales during the affordability period, the maximum price for each Inclusionary Housing Program home is calculated by the City. The City’s formula is intended to provide the amount an eligible buyer should be able to pay without spending more than 35% of their gross income toward housing expenses. Prices are calculated for affordability. This calculation is not driven by property values or other market conditions.
When the City calculates a maximum sales price, the price equals the present value of the anticipated amount of the buyer’s income available for mortgage payments over 30 years at the current interest rate, plus a 10% assumed down payment. A sample calculation using this formula is provided along with an explanation of the variables used in the formula.
When determining housing expenses the following factors are included: Homeowners’ Association Dues related to the specific housing development; utilities are determined by bedroom count (see below); property insurance is assumed by periodic survey of local insurance companies to determine the typical annual cost of insuring a home for its replacement value; maintenance is a nominal cost that homeowners will be expected to incur for maintaining their property over a one-year period; and the property tax rate applied determines the annual property tax costs will be 1.08% of the purchase price of an affordable home.
*The pricing example provided is intended for explanatory purposes only and is not necessarily reflective of current pricing calculations.
See More Sales Price Examples
The buyer’s anticipated income available for mortgage payments equals the income limit (either low, median, or moderate, depending on the home being priced) for a household size equal to the number of bedrooms in the home plus one (a three-bedroom home would use the income limit of a family of four). This amount is then decreased by 35% for anticipated home ownership costs, including homeowner association dues, utility expenses, property insurance, maintenance expenses, and property taxes. The income remaining is the amount a homeowner would be expected to be able to pay on their mortgage.
The interest rate used will be the lowest Fannie Mae 30-year, fixed yield-90day mortgage rate, as published in the finanicals.com for the three months immediately proceeding the proposed home purchase.
Owning and Selling an "Affordable" Home
The Neighborhood Enhancement Division monitors the various affordable housing communities to ensure compliance with program requirements. These requirements include the following:
If you are interested in selling your Inclusionary Housing home:
Review the Inclusionary Housing Program Homebuyer Application. This packet includes material for the buyer you select. It is your responsibility to find an eligible buyer and to direct the buyer to the City for approval.
Submit a Request for Maximum Affordable Sales Price to the City's Neighborhood Enhancement Division. Your maximum sales price will be calculated, and you may request that your property be added to the list of homes for sale displayed on the City’s website.
When the buyer’s eligibility is confirmed by the City and your negotiated sales price is found to be within the affordable limit, your sale will be approved.
Many people ask if affordable homes can build equity. As with any home, building equity depends on various factors, such as the status of the real estate market. Unlike unrestricted homes, equity growth in affordable homes is not solely market-driven and may be limited due to program restrictions.
Developments
There are several housing developments in Huntington Beach that have affordable housing covenants:
Forms and Brochures
Want more information about the Inclusionary Housing Program?
Effective August 8, 2022, the Neighborhood Enhancement Division charges the following fees for housing program services:
Payment will be required at the time of application. Checks should be made payable to the "City of Huntington Beach".
Documents may be delivered or mailed to the Huntington Beach City Hall, Community Enhancement Division, 2000 Main Street, 5th Floor, Huntington Beach, CA 92648.
The City of Huntington Beach Inclusionary Housing Program
The City provides for affordable low, median, or moderate-income families through a City-wide Inclusionary Housing Program. Homes become available for purchase by eligible buyers when new developments are built or when existing homeowners decide to sell.
The Inclusionary homes have an affordability period of up to 60 years from the time a home was built. Any Inclusionary Housing Program home that is sold must be purchased by an eligible buyer and the price of the home must fall within an affordable price limit calculated by the City. Prices are calculated for affordability. This calculation is not driven by property values or other market conditions.
The City records a lien on each affordable home that remains on title for the duration of the affordability period. The lien ensures that the City is able to enforce the Inclusionary Housing Program requirements, including the resale restrictions.
Buying an Affordable Home
From time to time, affordable homes are available for purchase. To be eligible to buy one of these homes, your total household income must be within certain limits. Most homes are restricted to moderate-income buyers; a limited number are restricted to low or median-income buyers. The City examines total gross income (before taxes or deductions) from all sources for all household members, even if not all household members are related or intend to be named on the mortgage or title. Home buyer eligibility is based only on gross household income; net worth is not considered.
If you find an affordable home that you are interested in buying, you or your Realtor should contact the listing Realtor and negotiate a purchase offer. After your offer is accepted, you will be given several forms to complete, and you will be asked to provide copies of recent pay stubs, bank statements, and tax forms; occasionally, additional documentation may be required. This information is necessary to verify your income eligibility. The Community Enhancement Division staff will examine these documents for the sole purpose of determining eligibility.
Maximum Selling Price
At the time of initial sale and for all re-sales during the affordability period, the maximum price for each Inclusionary Housing Program home is calculated by the City. The City’s formula is intended to provide the amount an eligible buyer should be able to pay without spending more than 35% of their gross income toward housing expenses. Prices are calculated for affordability. This calculation is not driven by property values or other market conditions.
When the City calculates a maximum sales price, the price equals the present value of the anticipated amount of the buyer’s income available for mortgage payments over 30 years at the current interest rate, plus a 10% assumed down payment. A sample calculation using this formula is provided along with an explanation of the variables used in the formula.
When determining housing expenses the following factors are included: Homeowners’ Association Dues related to the specific housing development; utilities are determined by bedroom count (see below); property insurance is assumed by periodic survey of local insurance companies to determine the typical annual cost of insuring a home for its replacement value; maintenance is a nominal cost that homeowners will be expected to incur for maintaining their property over a one-year period; and the property tax rate applied determines the annual property tax costs will be 1.08% of the purchase price of an affordable home.
See 2023 - 2024 INCOME LIMITS
| Pricing Example | |
|---|---|
| Moderate Income Limit for a Family of Four (Three Bedroom Home) |
$153,350 |
| 35% of Income |
$53,673 |
| Less Annual Housing Expenses: | |
| HOA Dues |
-4,200 |
| Utilities Expenses |
-4,356 |
| Property Insurance |
-900 |
| Maintenance |
-600 |
| Property Taxes |
-6,525 |
| Annual Income Available for Mortgage Payments |
$37,091 |
| Interest Rate |
5.51% |
| Present Value of Income Available for Mortgage Payments over 30-Year Term |
$543,779 |
| Plus 10% Down Payment |
$60,420 |
| Maximum Sales Price |
$604,199 |
*The pricing example provided is intended for explanatory purposes only and is not necessarily reflective of current pricing calculations.
See More Sales Price Examples
The buyer’s anticipated income available for mortgage payments equals the income limit (either low, median, or moderate, depending on the home being priced) for a household size equal to the number of bedrooms in the home plus one (a three-bedroom home would use the income limit of a family of four). This amount is then decreased by 35% for anticipated home ownership costs, including homeowner association dues, utility expenses, property insurance, maintenance expenses, and property taxes. The income remaining is the amount a homeowner would be expected to be able to pay on their mortgage.
The interest rate used will be the lowest Fannie Mae 30-year, fixed yield-90day mortgage rate, as published in the finanicals.com for the three months immediately proceeding the proposed home purchase.
- Interest rate used to calculate Sale Price: 5.80% (Effective February 1, 2024) Published lowest interest rate of preceding three months.
-
- Nov 6.46%
- Dec 5.80%
- Jan 5.96%
Owning and Selling an "Affordable" Home
The Neighborhood Enhancement Division monitors the various affordable housing communities to ensure compliance with program requirements. These requirements include the following:
- Homes must be owner-occupied.
- Homes may not be rented.
- Home mortgage refinances and second liens must be approved by the City.
- Home re-sales must be approved by the City.
If you are interested in selling your Inclusionary Housing home:
Review the Inclusionary Housing Program Homebuyer Application. This packet includes material for the buyer you select. It is your responsibility to find an eligible buyer and to direct the buyer to the City for approval.
Submit a Request for Maximum Affordable Sales Price to the City's Neighborhood Enhancement Division. Your maximum sales price will be calculated, and you may request that your property be added to the list of homes for sale displayed on the City’s website.
When the buyer’s eligibility is confirmed by the City and your negotiated sales price is found to be within the affordable limit, your sale will be approved.
Many people ask if affordable homes can build equity. As with any home, building equity depends on various factors, such as the status of the real estate market. Unlike unrestricted homes, equity growth in affordable homes is not solely market-driven and may be limited due to program restrictions.
Developments
There are several housing developments in Huntington Beach that have affordable housing covenants:
| Name | Built | Units | Income Eligible | Location | Photo |
| Ash Street Condominiums | 2002 | 6 Units | Median | Ash St. |  |
| Brisas Del Mar |
1993 | 44 Units | Low & Moderate |
Delaware St. & Utica Ave. |
 |
| Cape Ann | 1999 | 146 Units | Moderate | Breezy Lane & Sea Gate Drive |
 |
| Greystone Keys |
1998 | 23 Affordable 150 Total |
Moderate | Promenade Parkway & Sea Gate |
 |
| Pacific Park Villas |
1996 | 25 Units | Moderate | Joyful Lane & Happy Drive |
 |
| Pacific Shores | 2011 |
21 Affordable 123 Total |
Low & Median | Newland & Atlanta | |
| The Promenade | 1999 | 80 Units | Moderate | Main Street & Promenade Parkway |
 |
| The Tides | 2004 | 12 Affordable 77 Total |
Moderate | Goldenwest & Summit Drive |
 |
| Tuscany | 2007 | 5 Affordable 28 Total |
Moderate | Gothard & Garfield | |
| Villas at Seacliff | 2008 | 4 Affordable 19 Total |
Moderate | Gothard & Garfield | |
| Regatta - Gothard | 2023 |
3 Affordable 21 Total |
Moderate | Gothard & Crystal | |
| Regatta - Holly | 2023 | 5 Affordable 32 Total | Moderate |
Holly & Beachbreak |
Forms and Brochures
Want more information about the Inclusionary Housing Program?
- Home Owner Regulations
- Developer Regulations
- Frequently Asked Questions
- Get the Inclusionary Housing Program Home Buyer Application
- Request for Subordination
- Request for Maximum Sales Price Calculation
Effective August 8, 2022, the Neighborhood Enhancement Division charges the following fees for housing program services:
| Service Fees | |
|---|---|
| Loan Payoff Demand | $148 |
| Subordination Agreement | $265 |
| Reconveyance | $85 |
| Sales Price Determination | One free per year $50 for each additional request |
Payment will be required at the time of application. Checks should be made payable to the "City of Huntington Beach".
Documents may be delivered or mailed to the Huntington Beach City Hall, Community Enhancement Division, 2000 Main Street, 5th Floor, Huntington Beach, CA 92648.
Need some work done around the house?Fix up your home with a little help from the City of Huntington Beach.
Sometimes a nice home can fall into disrepair. This may be due to age, weather, or other causes. The City of Huntington Beach is offering qualified low-income homeowners affordable home improvement financing. Funds can be used to correct code problems and for general property improvements.
If you own your home in the City of Huntington Beach, and you meet the City's designated income limits for the Homeowner Rehabilitation Loans and Grants Program, you may be eligible for a low-interest home improvement loan or grant.
The City will lend up to $75,000 to pay for rehabilitation costs for a single family home, townhouse, or condominium, and up to $25,000 for a mobile home. Grants are also available to low-income households whose estimated repair costs do not exceed $15,000 for single family dwellings and mobile homes. Grants and loans cannot be combined.
All loans are deferred payment loans with no monthly payments; all loan principal and interest will be due when the title to your home is sold, assigned or transferred. The annual interest rate for all loans is 3% simple interest. All borrowers have to pay a $500 processing fee for title search, recording, and other costs; this fee may be included in your loan.
Application Process
Income levels are based on the median household income for Orange County and are subject to change.
Eligibility Factors
GRC Associates, Inc.
8060 Florence Avenue, Suite 303
Downey, CA 90241
(562) 553-0991
Sometimes a nice home can fall into disrepair. This may be due to age, weather, or other causes. The City of Huntington Beach is offering qualified low-income homeowners affordable home improvement financing. Funds can be used to correct code problems and for general property improvements.
If you own your home in the City of Huntington Beach, and you meet the City's designated income limits for the Homeowner Rehabilitation Loans and Grants Program, you may be eligible for a low-interest home improvement loan or grant.
The City will lend up to $75,000 to pay for rehabilitation costs for a single family home, townhouse, or condominium, and up to $25,000 for a mobile home. Grants are also available to low-income households whose estimated repair costs do not exceed $15,000 for single family dwellings and mobile homes. Grants and loans cannot be combined.
All loans are deferred payment loans with no monthly payments; all loan principal and interest will be due when the title to your home is sold, assigned or transferred. The annual interest rate for all loans is 3% simple interest. All borrowers have to pay a $500 processing fee for title search, recording, and other costs; this fee may be included in your loan.
Application Process
- Contact the City's consultant, GRC Associates, Inc. at (562) 553-0991.
- If you are determined to be eligible, an inspector will schedule a visit to your home or rental unit to check for code problems and other home improvement needs.
- Contractors will be invited to bid on the work for your home — you will select the lowest priced, qualified contractor(s).
- Loan documents will be prepared for an amount to cover the approved work.
- Contractors will be given approval to begin construction after loan documents are signed. Invoices will be sent to the City for payment.
| Household Size | Very Low-Income | Low-Income |
| 1 | $50,250 | $ 80,400 |
| 2 | $57,400 | $ 91,850 |
| 3 | $64,600 | $103,350 |
| 4 | $71,750 | $114,800 |
| 5 | $77,500 | $124,000 |
Income levels are based on the median household income for Orange County and are subject to change.
Eligibility Factors
- Your income must meet the above eligibility guidelines.
- You must own your home, and it must be in Huntington Beach.
- Your property must be in need of repair to meet City Codes.
- You must have acceptable credit worthiness.
GRC Associates, Inc.
8060 Florence Avenue, Suite 303
Downey, CA 90241
(562) 553-0991
- Homeowner Rehabilitation Loans and Grants Brochure (English)
- Rehabilitation Brochure (Spanish)
The MHTBRA program provides monthly rental assistance to eligible very low-income Huntington Beach senior mobile home owners to pay a portion of their space rent for up to 24 months.
The initial program offering is limited, providing assistance to approximately 30 households. Participating households are required to pay 30% of their gross monthly income for space rent, and the City will subsidize the difference up to the local fair market space rent.
Eligible mobile home owners will meet the following criteria:
* 2022 U.S. Department of Housing and Urban Development income limits - HUD CA Fair Market Rate area
Mobile Home Tenant Based Rental Assistance Interest Form:
MHTBRA Flyer
The 30-day period to submit Interest Forms for the initial offering of the Mobile Home Tenant Based Rental Assistance program opened on January 16, 2023 through February 17, 2023 at 5:00PM. Following February 17, a lottery process established the order in which applicants were chosen & confirmed. This is not a first-come-first-served program.
For questions regarding the waitlist status please contact Robert G. Vasquez, GRC Associates at (626) 331-6373 or [email protected]
The initial program offering is limited, providing assistance to approximately 30 households. Participating households are required to pay 30% of their gross monthly income for space rent, and the City will subsidize the difference up to the local fair market space rent.
Eligible mobile home owners will meet the following criteria:
- Age 62 and older
- Very low-income or lower *
- Own a mobile home located in Huntington Beach
- Occupied their mobile home as a primary residence for a minimum of one year
- Military veterans
- Households earning extremely low- income or less *
- Households that pay over 50% of their gross income toward space rent
| Household Size | Extremely Low-Income (maximum) | Very Low-Income (maximum) |
| 1 | $28,500 | $47,450 |
| 2 | $32,550 | $54,200 |
| 3 | $36,600 | $61,000 |
| 4 | $40,650 | $67,750 |
* 2022 U.S. Department of Housing and Urban Development income limits - HUD CA Fair Market Rate area
Mobile Home Tenant Based Rental Assistance Interest Form:
MHTBRA Flyer
The 30-day period to submit Interest Forms for the initial offering of the Mobile Home Tenant Based Rental Assistance program opened on January 16, 2023 through February 17, 2023 at 5:00PM. Following February 17, a lottery process established the order in which applicants were chosen & confirmed. This is not a first-come-first-served program.
For questions regarding the waitlist status please contact Robert G. Vasquez, GRC Associates at (626) 331-6373 or [email protected]
Inclusionary Housing ProgramThere are several hundred homes in Huntington Beach that were built under the City’s Inclusionary Housing Program to be affordable for low, median, or moderate income home buyers. By clicking on the following links you can:
Learn about the Inclusionary Housing Program and affordability requirements,
Mobile Home InformationPlease Click Here for a additional Mobile Home Info
Other Housing ProgramsThere are a number of ownership programs and services available which are offered through other public agencies and nonprofit organizations. These organizations, programs and services include:
HUD homes for sale,
The Mortgage Credit Certificate Program,
Mortgage Revenue Bonds,
Extra Credit Teacher Home Purchase Program,
Consumer Credit Counseling Service; and
Habitat for Humanity
Learn more about these opportunities.
Learn about the Inclusionary Housing Program and affordability requirements,
- Affordable Ownership Housing Regulations
- Developer Regulations
- Get a list of homes for sale
- Review forms and brochures
- List of Affordable Ownership Housing (AB 987 Compliance)
- Frequently Asked Questions
Mobile Home InformationPlease Click Here for a additional Mobile Home Info
Other Housing ProgramsThere are a number of ownership programs and services available which are offered through other public agencies and nonprofit organizations. These organizations, programs and services include:
HUD homes for sale,
The Mortgage Credit Certificate Program,
Mortgage Revenue Bonds,
Extra Credit Teacher Home Purchase Program,
Consumer Credit Counseling Service; and
Habitat for Humanity
Learn more about these opportunities.
FHA COVID-19 Mortgage Payment Forbearance
If you are having difficulty paying your FHA mortgage due to the pandemic, the U.S. Department of Housing and Urban Development, Office of Housing Counseling may be able to help with special COVID-19 mortgage payment forbearance. Contact 800-569-4287 or use the online search at www.hud.gov/housingcounseling
Protections for Tenants Unable to Pay Rent Due to the COVID-19 Emergency
California law protects renters who are unable to pay their rent due to the COVID-19 pandemic. Learn about new protections in effect through September 30, 2021. Housing Is Key
HUD Homes for Sale
The federal Department of Housing and Urban Development has homes to sell, and anyone who can qualify for a mortgage can buy. For information visit http://www.hud.gov or call (714) 796-5577 or (888) 827-5605.
Mortgage Credit Certificate (MCC) Program
A homebuyer who holds an MCC is entitled to take a credit against his/her federal income tax liability each year. The effect of the MCC is to directly reduce the monthly housing costs and increase the ability of a homebuyer to qualify for a mortgage loan. The program allows buyers to reduce their income tax obligation through adjustments to their W-4 withholding.
The amount of MCC credit claimed by a homebuyer depends upon the amount of mortgage interest paid (or accrued) during the year and the applicable credit rate as established by the MCC issuer. An MCC holder is also eligible for mortgage interest tax deductions on the portion of interest not used as a credit.
An MCC is not a mortgage, and it is available only to qualified first time buyers. Income limits and house price limits apply. For more information, contact the County of Orange at (714) 480-2900.
Mortgage Revenue Bond Mortgages
The County of Orange and the Southern California Home Financing Authority provide 30-year mortgages at below-market interest rates with a rebate option. This mortgage program is available to income eligible first-time homebuyers. For information, call the County of Orange at (714) 834-3014. Contact Richard Mendoza.
Extra Credit Teacher Home Purchase Program
Full-time teachers serving in designated low performing schools can qualify for a reduced interest rate mortgage with down payment assistance. For details, call the County of Orange at (714) 480-2791.
Affordable Housing Clearinghouse
The Affordable Housing Clearinghouse is a non-profit organization dedicated to financing affordable housing in Orange County. As part of its mission, the Clearinghouse assists low- to moderate-income families purchase a home by providing a variety of zero-down, credit-flexible mortgage loans, homebuyer education, and credit counseling.
23861 El Toro Rd., Suite 401
Lake Forest, CA 92630
(877) 990-5626
(949) 859-9255
Affordable Housing Clearinghouse
Consumer Credit Counseling Services (CCCS)
CCCS offers free Fannie Mae first-time homebuyer certification classes, which may help reduce mortgage insurance costs. CCCS can be reached at (714) 547-2227.
Habitat for Humanity
Habitat for Humanity builds homes for families most in need of affordable housing. The Orange County chapter can be reached at (714) 434-6200.
If you are having difficulty paying your FHA mortgage due to the pandemic, the U.S. Department of Housing and Urban Development, Office of Housing Counseling may be able to help with special COVID-19 mortgage payment forbearance. Contact 800-569-4287 or use the online search at www.hud.gov/housingcounseling
Protections for Tenants Unable to Pay Rent Due to the COVID-19 Emergency
California law protects renters who are unable to pay their rent due to the COVID-19 pandemic. Learn about new protections in effect through September 30, 2021. Housing Is Key
HUD Homes for Sale
The federal Department of Housing and Urban Development has homes to sell, and anyone who can qualify for a mortgage can buy. For information visit http://www.hud.gov or call (714) 796-5577 or (888) 827-5605.
Mortgage Credit Certificate (MCC) Program
A homebuyer who holds an MCC is entitled to take a credit against his/her federal income tax liability each year. The effect of the MCC is to directly reduce the monthly housing costs and increase the ability of a homebuyer to qualify for a mortgage loan. The program allows buyers to reduce their income tax obligation through adjustments to their W-4 withholding.
The amount of MCC credit claimed by a homebuyer depends upon the amount of mortgage interest paid (or accrued) during the year and the applicable credit rate as established by the MCC issuer. An MCC holder is also eligible for mortgage interest tax deductions on the portion of interest not used as a credit.
An MCC is not a mortgage, and it is available only to qualified first time buyers. Income limits and house price limits apply. For more information, contact the County of Orange at (714) 480-2900.
Mortgage Revenue Bond Mortgages
The County of Orange and the Southern California Home Financing Authority provide 30-year mortgages at below-market interest rates with a rebate option. This mortgage program is available to income eligible first-time homebuyers. For information, call the County of Orange at (714) 834-3014. Contact Richard Mendoza.
Extra Credit Teacher Home Purchase Program
Full-time teachers serving in designated low performing schools can qualify for a reduced interest rate mortgage with down payment assistance. For details, call the County of Orange at (714) 480-2791.
Affordable Housing Clearinghouse
The Affordable Housing Clearinghouse is a non-profit organization dedicated to financing affordable housing in Orange County. As part of its mission, the Clearinghouse assists low- to moderate-income families purchase a home by providing a variety of zero-down, credit-flexible mortgage loans, homebuyer education, and credit counseling.
23861 El Toro Rd., Suite 401
Lake Forest, CA 92630
(877) 990-5626
(949) 859-9255
Affordable Housing Clearinghouse
Consumer Credit Counseling Services (CCCS)
CCCS offers free Fannie Mae first-time homebuyer certification classes, which may help reduce mortgage insurance costs. CCCS can be reached at (714) 547-2227.
Habitat for Humanity
Habitat for Humanity builds homes for families most in need of affordable housing. The Orange County chapter can be reached at (714) 434-6200.
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