Apply for a MOHCD loan release

For owners using certain loan programs such as TND and PIC

Some MOHCD loans are forgiven after a period of time. Once the loan is released, MOHCD also releases the lien on your home.

Your loan is eligible for release if:

  • It is a Teacher Next Door (TND) or Police in the Community (PIC) loan.
    • Some City Second loans can also be released, if stated in the loan documents.
  • The MOHCD loan must have matured for the full loan term.
  • You have lived in the home as your primary residence for the entire loan term.
  • You have satisfied all other program requirements for the entire loan term.
  • You have continually worked for SF Unified School District (for TND) or the SF Police Department (for PIC) during the entire loan term.

Applying for a loan release

  1. Complete the PDF iconRelease of Lien Request Form and all required documents.

    • MOHCD may request other documents.
  2. Compile the form and required documents into one PDF file.

Upload your documents with Sharefile
Sharefile will ask you to create an account

If you are unable to send in your documents online, you can mail your application to:

Mayor’s Office of Housing & Community Development
ATTN: Loan Servicing and Release
1 S Van Ness Ave, 5th Floor
San Francisco, CA 94103


After you request a loan release

  1. MOHCD may take up to 30 days to process a complete loan release package.
  2. If we approve, MOHCD will prepare and record a reconveyance document to release the loan from the property.
  3. If we determine loan program requirements are not met for release, you may have to begin repaying the loan.

Continuing restrictions

Certain restrictions may still apply after the MOHCD loan is paid off. For example, the "Right of First Refusal" requirement will remain on City Second properties after the City Second loan is released.