Subordination and Refinancing

How to refinance a home purchased through City programs

If the City provided financial assistance to you to purchase a home, you must follow this refinance process, and you must work with an approved lender.

Due to historically low interest rates, the Mayor’s Office of Housing and Community Development (MOHCD) is experiencing a high volume of re-finance (subordination) request. Our processing times for these types of requests are currently running about 60-90 calendar days, assuming the package is complete.


What to do

  1. Complete the PDF icon MOHCD Refinance (Subordination) Request Package with your approved lender.
  2. The lender will upload the Refinance Request Package PDF files to DAHLIA, MOHCD's online housing portal.
  3. Mail the loan refinance/subordination fee to MOHCD within 48 hours to:
    Mayor’s Office of Housing & Community Development
    ATTN: Loan Servicing
    1 S Van Ness Ave, 5th Floor
    San Francisco, CA 94103
  4. MOHCD will take 60-90 calendar days to process complete refinance/subordination requests.
    1. If you are missing any documents (including fees), the City will reach out and notify you.
    2. You then have 48 hours to complete the additional necessary paperwork.
  5. If MOHCD approves, the refinance/subordination agreement will be finalized and sent to the lender and homeowner.
  6. Your lender completes the refinancing process.