For Current Owners
The San Francisco Mayor’s Office of Housing and Community Development (MOHCD) offers programs to assist financially stressed, income qualified San Francisco homeowners preserve their homes with low or no interest loans and grants for home repairs and one time financial hardships.
Post Purchase Services for MOHCD Homeowners
Current homeowners who have bought their home utilizing a MOHCD first time homebuyer program have additional requirements to follow when living in their home and when refinancing, repairing, or selling their home. We also have a quarterly newsletter for current MOHCD program homeowners.
San Francisco Homeownership Preservation Programs
MOHCD offers a wide variety of low and no interest loans available to low and moderate income homeowners for repairs and one time financial hardship. Please click on each specific program below for more information.
Note: Some of these programs are under construction.
For owner-occupied homeowners of 1-4 unit properties, to help fix their units after receiving a code violation from the Department of Building Inspection.
For owner-occupied homeowners of 1-4 unit properties, to help fix building safe and healthy hazards, and provide accessibility modifications.
*Previously known as MALP*
For San Francisco homeowners who are in need of a one-time emergency financial assistance loan due to an unforeseen financial hardship.
For owners of single-unit properties, to remediate lead hazards. This grant is prioritized for homes with children under the age of 6.
For MOHCD program owners
The following resources are for homeowners who participated in our below-market-rate programs. These also apply to homeowners who used former SF Redevelopment Agency (SFRA) programs.
You must contact MOHCD when refinancing your first mortgage.
You must contact MOHCD when the list of owners changes on your home.
You must contact MOHCD when making insurance claims to repair to your home.
Homeowners using Teacher Next Door, Police in the Community, and some City Second loans can have their loans forgiven.
Owners of MOHCD program units 10 years or older can get funds to maintain the quality of their home.
MOHCD Loans can be paid off before the loan term ends.
Guidelines about property inspection, home maintenance, and repairs on BMR units.
Guidelines about reselling your unit.
Even though you can still live in your unit after your income increases, MOHCD has other requirements for homeowners who participate in our below-market-rate programs.
For all programs, we'll ask for proof every year that everyone listed on the title lives at the home. You are not allowed to rent out your home on platforms like Airbnb. Be sure to read the manuals for your specific homebuyer program. We will ask for proof that all the rules are being followed.
We mail quarterly newsletters to all MOHCD homeowners.