Orange County Housing Opportunities Collaborative
714/599-1014 * conniedt@housingcollaborative.org * www.ochoc.org
Orange County Home Buying Assistance Programs
Consumer Credit Counseling Services of Orange County
CCSOC is a HUD Approved agency that offers 8 hour HUD Approved Homebuyer Education classes, individual and group
credit counseling, bankruptcy counseling and debt management programs. Check website for workshop schedule.
CCCSOC 1920 Old Tustin Ave., Santa Ana, CA 92705
714/547-2227 www.cccsoc.org
NeighborWorks of Orange County
NHS OC's NeighborWorks® HomeOwnership Center offers one on one and group homebuyer education and counseling
programs, including HUD Approved 8-hour Homebuyer Education Classes. Also offers Down Payment Assistance
programs and affordable homes for sale. Check website for more information and schedule of classes.
Down Payment Assistance Program- http://www.nhsoc.org/nhsoc-downpayment.htm
Cal Home Program • NSP Program
IDEA Program
• WISH Program- http://www.nhsoc.org/pdf/WISH_information.pdf
NWOC 198 W. Lincoln Ave. 2nd Floor, Anaheim, CA 92805
714-490-1250 www.nwoc.org
Affordable Housing Clearinghouse
AHC is a non-profit organization consisting of a network of lenders, community groups and public agencies dedicated to
the creation of quality affordable housing. The Clearinghouse provides homebuyer assistance to low- and moderateincome families, offers counseling and down payment assistance programs and affordable houses for sale. For a list of
programs, information and applications, call or check website.
Affordable Clearinghouse
23861 El Toro Road, Suite 401, Lake Forest, CA 92630
888-202-4439 www.affordable-housing.org
California Housing Finance Agency
Affordable Housing Partnership Program (AHPP) -A joint effort by CalHFA and cities, counties, redevelopment
agencies and housing authorities whereby a deferred payment subordinate loan from a locality is utilized by the
first-time homebuyer to assist them with down payment and/or closing costs.
California Homebuyer's Down payment Assistance Program (CHDAP) Offers a deferred-payment junior loan of an
amount up to the lesser of 3% percent of the purchase price or appraised value. NWOC offers this program.
Cal HFA 310-342-1250 http://www.calhfa.ca.gov/homebuyer/programs/chdap.htm
Orange County Mortgage Assistance Program
The County's MAP provides silent second loans to assist low income first-time homebuyers, with annual incomes not
to exceed 80% of the Area Median Income. The loans are designed to help pay for down payment and/or closing
costs to purchase a home. The 3% simple interest, deferred payment loan has a term of 30 or 45 years depending on
the funding source and a maximum loan amount of $40,000. AHC currently administers the MAP program for the
county.
AHC 23861 El Toro Road, Suite 401, Lake Forest, CA 92630
949-859-9255 www.affordable-housing.org
The Mortgage Credit Certificate (MCC) Program
The MCC Program, administered by the County of Orange, enables first-time homebuyers to receive a federal
income tax credit of up to 15% of the annual mortgage interest paid. The MCC reduces federal income tax, increases
take-home pay, and increases the qualifying loan amount for homebuyers.
Program assistance is available only to income-eligible persons and families who have not owned a home in the last
three years. The property must be a single-family detached home, condominium, or townhouse located within the
County of Orange. Participants must occupy the home.
For information, contact Laurie Sachar County of Orange, (714) 834-6009 laurie.sachar@ocgov.com.
City of Anaheim Second Mortgage Assistance
The City provides silent second loans to assist low income first-time homebuyers, with annual incomes not to exceed
80% of the Area Median Income.
The 3% simple interest, deferred payment loan has a term of 30 years, and a maximum loan amount of $40,000, for
the purchase of a unit located within the City of Anaheim.
City of Anaheim, 201 S Anaheim Blvd., Anaheim, CA 92805
714-765-4300 www.anaheim.net
City of Brea Homebuyer Assistance Program
Due to the elimination of the Brea Redevelopment Agency by the State of CA, the City no longer offers a Homebuyer
Assistance Loan Program. The City does still have in effect an Affordable Housing Ordinance, which requires most
new residential developments to provide at least 10% of their units for sale at affordable below-market prices to
qualified buyers. The City maintains a waiting list of people interested in this program. Completing and returning the
Homebuyer Assistance Program application will place your name on this list for affordable units which may become
available in the future.
City of Brea
1 Civic Center Circle, Brea, CA 92821
714-671-4482 http://cityofbrea.net/page.cfm?name=HAP
City of Buena Park First Time Home Buyer Program
The City's program provides silent second loans to assist low income first-time homebuyers, with annual incomes
not to exceed 80% of the Area Median Income, purchase homes within Buena Park.
The loans are designed to help pay for down payment and/or closing costs to purchase a home, over the purchaser’s
contribution of 3% of the home cost.
The 3% simple interest, deferred payment loan has a term of 30 and a maximum loan amount of $100,000.
6650 Beach Blvd.
Buena Park, CA 90622
714-562-3590 http://www.buenapark.com/index.aspx?page=212
City of Huntington Beach Affordable Housing Programs
The City requires 10% of all new housing construction units to be affordable for low to moderate income households.
Most affordable homes are restricted to moderate income buyers and the limits are listed on the city’s website.
City of HB – Dept. of Economic Development
2000 Main St., HB, CA 92648
714/536-5582 http://www.huntingtonbeachca.gov/Government/Departments/ed/housing/
City of Santa Ana
The City has programs to assist households to purchase homes. One option is the city’s down payment assistance
program, the other is to purchase an affordable home developed in partnership with a developer or the city. All require
pre-purchase 8 hour Homebuyer Education. Visit the city’s website for detailed information on programs.
City of Santa Ana – Housing and Redevelopment
714/667-2250 www.santa-ana.org
City of Tustin
The City requires 15% of privately developed or substantially rehabilitated units to be set aside as affordable units for
low to moderate income households. Most affordable homes are restricted to moderate income buyers and the limits
are listed on the city’s website. The city also has new and resale units for sale which are listed on their website.
City of Tustin
300 Centennial Way, Tustin, CA 92780
714/573-3117 www.tustinca.org/rdahousing
Irvine Apartment Communities - Rental Equity Program
IAC offers renters who live in their communities the ability to earn 5%- 10% of renter equity credit to be used toward the
purchase of select new homes in Irvine offered by Irvine Pacific. Renters can accrue up to $5,000. For more information
on the program visit: www.rental-living.com/renterequity/
Bank Community Lending Programs
Various banks will provide fee waivers or assistance programs to First Time Home Buyers on a case by case basis. Check
with your lender to determine if assistance is available and if you qualify.
Bank of America
Chase
Citi
Wells Fargo
US Bank