MOHCD Loan Application Process
For lenders and buyers using City Second or Teacher Next Door funds
Income-eligible buyers can apply to use:
- City Second loan funds to buy a City Second property. See details about the City Second Loan Program »
- Teacher Next Door (TND) loan funds to buy a market rate or below market rate property. See details about the TND program »
Eligible buyers apply for funds with their lender, after they sign their purchase agreement. Buyers are then considered borrowers of the loan program.
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Lender enters the complete Loan Application package into DAHLIA.
- The package must include:
Combined DALP Application July 2019
- All required documents from the borrower or lender
- Non-refundable cashier’s check made out to the "City and County of San Francisco" if fees are required. See MOHCD program fees »
- The package must include:
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MOHCD will email an approval or denial letter to the borrower and the lender within 10 business days.
If approved, the email will include draft loan documents and a request for the borrower to make a closing appointment with MOHCD.
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Borrower attends closing appointment at MOHCD offices.
Borrower must sign our Commitment Letter and Affidavit at our offices at 1 S Van Ness, within 5 business days of the email request.
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MOHCD emails escrow instructions and closing documents to the title company.
- Funding as specified in the commitment letter will be placed on reserve for a period of 30 days from date of the commitment.
- If for any reason, escrow cannot close within the commitment period, please notify MOHCD immediately or the loan will be void.
- Funding will be wired to the escrow account after MOHCD digitally receives and reviews all closing documents.
- We require 5 business days for wire transfer.
- Funding as specified in the commitment letter will be placed on reserve for a period of 30 days from date of the commitment.