HUD Logo
USA%20Flag  
Site Map         A-Z Index         Text   A   A   A
HUD   >   State Information   >   California   >   Homeownership   >   Homebuyer Programs
Homebuyer Programs Supplemental Information:
San Diego Area 

This information guide on Single Family & First Time Homebuyer Programs was designed for potential homebuyers in the San Diego and Imperial County areas.

Learn to buy and maintain a home. You can call one of these non-profit agencies and enroll in a homebuying education class. Some of the following agencies will charge for materials. Some offer classes in Spanish, Chinese, Tagalog and Vietnamese.

Clearpoint Credit Counseling Solutions
(877) 877-1995, ext. 4616
Neighborhood House Association
(619) 263-7761
Community Housing Works
(619) 282-6647 / (760) 432-6878
Novadebt
(619) 296-4700
Faith Based Community Development Corporation (CDC)
(760) 721-2117
San Diego Home Loan Counseling & Education Center
(619) 624-2330
Housing Opportunities Collaborative
(619) 283-2200
San Diego Urban League
(619) 266-6251
Money Management International
(866) 889-9347
Springboard Nonprofit Consumer Credit Management
(800) 947-3752
National Asian American Coalition
(858) 586-7382
Union of Pan Asian Communities
(619) 232-6454

HUD/FHA Section 203(b) Mortgage Insurance Program

Loan limits in the area are: (January 2012)

  1 Family Unit 2 Family Unit 3 Family Unit 4 Family Unit
San Diego County $697,500 $892,950 $1,079,350 $1,341,350
Imperial County $325,000 $416,050 $502,900 $625,000
HECM(Reverse Mortgage) $417,000      
HOPE for Homeowners $550,440      
Loan Modification $729,750      

First - Time Homebuyer Programs Cities offer assistance to qualified homebuyers in the form of a Mortgage Credit Certificate (MCC), which is a tax credit allocated to first time homebuyers to help them qualify for a Larger First Mortgage, Down payment Assistance, Financing Assistance or Silent Second Mortgages. To learn more about each City's programs, call the numbers listed below.

City of Carlsbad
Homebuyers Assistance Program
Frank Boensch, (760) 434-2810

City of Chula Vista
Homebuyers Assistance Program
Stacey Kurz, (619) 585-5609
or Community Housing Works, (619) 282-6647

City of El Cajon
Jenny Ficacci, (619) 441-1710

City of Escondido
First Time Homebuyers
Robyn Dare, (760) 839-4532

City of La Mesa
First Time Homebuyers
Chris Gonzales (619) 667-1192

City of National City
First Time Homebuyers Program
Carlos Aguirre, (619) 336-4391
or Community Housing Works, (619) 282-6647
City of Oceanside
Housing Department
Frank Grana (760) 435-3375

City of Poway
(858) 668-4668

City of San Marcos
Julie Magee, (760) 744-1050 ext. 3137

City of Santee
Tom Romstad, (619) 258-4100 ext. 221

City of Vista
(760) 639-6191

City of San Diego
First Time Homebuyers Information
Vicky Monce (619) 578-7491

County of San Diego
First Time Homebuyer Assistance
April Torbett, (858) 694-4824

For Cities not listed, as well as other areas of San Diego County,
Affordable Housing Applications, Inc.,
8130 La Mesa Blvd. PMB 806,
La Mesa, CA 91941, (619) 469-0270
Website: www.ahahousing.com

Regarding the Imperial Valley areas, inquiries on First Time Homebuyer Programs may be directed to the following:

City of Calexico Terri Nava (760) 768-7490
City of El Centro Marcela Pierdra (760) 337-4543
City of Holtville Nick Wells (760) 356-2912
City of Imperial Gracie Havermale (760) 355-3335
City of Brawley Eva Madueno or Francisco Soto (760) 344-8622

The following list includes many of the loan programs available to residents of San Diego and Imperial Counties. You should check with local lenders about the loan packages that may interest you and for which you may qualify.

VA (Veterans Affairs): Insured by the Veterans Affairs Department of the federal government. VA loans are available through lending institutions; however, only eligible military veterans may apply. For more information, call (888) 869-0194.

CalVet: Only those veterans purchasing property in California and who were released honorably from active duty, having served at least 90 consecutive days during periods of war, are eligible for these loans. For more information, call (866) 653-2504.

FHA (Federal Housing Administration): Administered through the federal Department of Housing and Urban Development (HUD), these loans are available from approved lenders. For more information, contact a lender of your choice or view the HUD website www.hud.gov.

CalFHA (California Housing Finance Agency): These loans are available through many of the established mortgage banking firms for first-time homebuyers. Interested parties should call (877) 9CalHFA, (877) 922-5432 for the most current loan information.

FANNIE MAE (Federal National Mortgage Association): The Community Home Buyers Program (CHBP) is a mortgage program that was created by Fannie Mae in partnership with mortgage lenders and mortgage insurance companies. These companies work closely with state and local governments, as well as community groups, to provide affordable homeownership opportunities. Please call (800) 7Fannie (800) 732-6643.

HUD is Online

The U.S. Department of Housing and Urban Development has one of the most widely recognized and award winning web sites within the Federal Government. This site is a place where citizens, local governments, community organizations and elected officials can access information on all HUD programs, grants and services. In addition, local information is available about HUD homes and local investment and expenditures of HUD dollars.

www.hud.gov

espanol.hud.gov

Additionally, HUD Home sales in San Diego and Imperial Counties are administered by a marketing and management contractors called: PEMCO, LTD and BLB Resources. To view the list of available properties for sale go to:
www.hudhomestore.com

This site will give you a complete guide and description of the home buying process including broker information, updated property listings, the bidding process and details of various single family homebuyer programs such as Good Neighbor Next Door.

PEMCO, LTD. dba REO PEMCO. LTD.
1601 Response Road Suite 260
Sacramento, California 95815
Tel (916) 927-7313
Fax (916) 927-7454
Toll Free: (877) 927-7313
Email

BLB Resources
6845 Von Karman Avenue #100
Irvine, CA 92606
Sacramento, California 95815
Toll Free: (800) 960-2526

The HUD Santa Ana Homeownership Center (SAHOC) monitors PEMCO, LTD and BLB Resources and all HUD Home sales in Southern California. If you have any questions, comments, or complaints, please call the FHA Resource Center at:
(800) 225-5342
TDD/TDY: (877) TDD2HUD or (877) 833-2483
Email

Open Government Initiative


[Logo: HUD.gov/open]
HUD.GOV/Open
Learn more about HUD's Open Government Initiative

HUD Implementation of the Recovery Act
[Logo: Recovery.gov]

Learn more about HUD's Implementation of the Recovery Act

Making Home Affordable


[Logo: Making Home Affordable]

Learn more about Making Home Affordable
Innovation of the Day


[Logo: HUD.gov/innovation of the day]
Innovation of the Day