SHRA offers a variety of programs and resources to help eligible low-income buyers realize the dream of homeownership. These include the Mortgage Credit Certificate program, the CalHome First-Time Homebuyer Mortgage Assistance Program, and several affordable home purchase opportunities.
If you are interested in purchasing your first home or don’t know what your first step is, read the Frequently Asked Questions for First Time Homebuyers. (opens in a new tab)
Weekly Funding Update – As programs open and close frequently due to the availability of funding, SHRA provides a weekly update for its homebuyer programs. Refer to the Weekly Funding Update (opens in a new tab) for the most up to date information about program availability.
Program Updates and Announcements – In addition to the weekly funding update, all parties interested in SHRA’s homebuyer programs are also encouraged to register for and maintain current contact information on SHRA’s email list (ListServ) in order to receive program updates and important announcements. Refer to the Single Family Lenders Email List (opens in a new tab) for more information.
The The Permanent Local Housing Allocation (PLHA) First-Time Homebuyer Mortgage Assistance Program is designed to assist low-income homebuyers by providing down payment and mortgage assistance to reduce the amount of the first mortgage loan on homes located in the City and County of Sacramento. For additional program information click 2026 PLHA Frist Time Homebuyer (opens in a new tab) To apply for the PLHA Program, contact one of SHRAs approved lenders listed Approved Lender List (opens in a new tab)
Note: Due to the depletion of funds, SHRA cannot assist with this program until further notice.
SHRA administers the Mortgage Credit Certificate (MCC) program to assist eligible homebuyers afford their first home. This program provides a tax credit to eligible homebuyers to reduce the amount of Federal income tax the homebuyer pays which enables them to more easily afford to purchase a home. The primary MCC program is summarized below along with the process to request to have a MCC reissued for current certificate holders.
Sacramento MCC
The Sacramento Mortgage Credit Certificate (MCC) Program provides homeownership assistance in the form of a Federal Income Tax Credit on home purchases within the County of Sacramento and the cities of Sacramento, Elk Grove, Folsom, Isleton, Galt, Citrus Heights, Rancho Cordova. Read more about the MCC Program details below. To apply for the MCC Program, contact one of SHRAs approved lenders.
MCC Program Features (opens in a new tab)
MCC Approved Lender List (opens in a new tab)
Sacramento MCC Program – Reissued MCCs
As part of the Sacramento MCC Program, SHRA offers current MCC holders who wish to refinance their original mortgage loan for the first time the ability to request to have their MCC reissued. Read the detailed requirements and procedure to apply for a Reissued Mortgage Credit Certificate (RMCC) below.
Reissued Mortgage Credit Certificate Details (opens in a new tab)
The CalHome First-Time Homebuyer Mortgage Assistance Program is designed to assist low-income homebuyers by providing down payment and mortgage assistance to reduce the amount of the first mortgage loan on homes located in eligible areas of the City and County of Sacramento. For additional program information click 2026 CalHome First Tme Homebuyer (opens in a new tab) To determine if a property is within the SHRA CalHome Eligible Areas, search for the address using this map application. (opens in a new tab) A printable map is located 2023 08 01 Cal Home Eligible Areas 2020 Qualified Census Tracts QCT (opens in a new tab) To apply for the CalHome Program, contact one of SHRAs approved lenders listed Approved Lender List (opens in a new tab)
There are periodically opportunities for eligible buyers to purchase affordable single family homes. These homes may be located in new subdivisions or in existing neighborhoods. Applicants must meet eligibility requirements and be able to qualify for first mortgage financing to purchase these homes. In addition, most of these homes require restrictions on the resale of the home, so buyers are advised to fully understand these restrictions. For more information, please call SHRA Homeownership Services staff at (916) 440-1393.
SHRA homebuyer assistance programs are accessed through Approved Lenders who meet specific lender requirements and are trained to offer our programs. Listed below are the requirements for lenders and information to help them understand how SHRA works with them to provide affordable housing opportunities.
Lender Application (opens in a new tab)
Lender Announcement (opens in a new tab)
Home Ownership Guidelines (opens in a new tab)
Approved Lender Requirements (opens in a new tab)
| Lender Name | Address | Contact Name | Phone |
|---|---|---|---|
| American Pacific Mortgage | 2237 Douglas Blvd, #100 Roseville, CA 95661 |
JJ Mack | (916) 517-1800 |
| American Pacific Mortgage | 980 9th Street, Ste. 340 Sacramento, CA 95814 |
Jason Mata | (916) 798-4733 |
| American Pacific Mortgage | 2237 Douglas Blvd, #100 Roseville, CA 95661 |
Latasha Walton | (916) 865-0372 |
| Big Valley Mortgage | 3000 Lava Ridge Court, #220 Roseville, CA 95661 |
Ronald Howard | (916) 960-1325 |
| CrossCountry Mortgage, LLC | 790 Mason Street, Suite 202 Vacaville, CA 95688 |
Manuel Prado | M: (530) 613-1378 D: (707) 266-6921 |
| GEM Mortgage | 9245 Laguna Springs Drive, #200 Elk Grove, CA 95758 |
Lyle Morgan | (916) 337-2721 |
| Guild Mortgage | 3835 N. Freeway Blvd., #110 Sacramento, CA 95834 |
Dan Tharp | (916) 575-9740 |
| Guild Mortgage Company | 2620 21st Street Sacramento, CA 95818 |
Sarah Lee | (916) 600-6126 |
| Mountain West Financial | 701 University Ave., Ste. 104 Sacramento, CA 95821 |
Greg Bisi | (916) 923-5900 |
| Paramount Residential Mortgage Group | 1800 27th Street, Ste. 100 Sacramento, CA 95618 |
Ken Clark Jr. | (916) 732-2340 |
| PNC Bank | – | Ali Khan | (510) 300-4889 |
| PNC Bank | – | Daniel Lee | (510) 693-1374 |
| PNC Bank | – | Faviola Tapia | (209) 407-2724 |
| Sacramento Credit Union | 800 H Street Sacramento, CA 95814 |
Ed Matsuoka | (916) 444-6070 |
| Summit Funding | 3900 Lennane Drive, Suite 210 Sacramento, CA 95834 |
Sylvia Gomez | (916) 691-5301 |
| Wholesale West Lending Inc. | 725 30th Street, #203 Sacramento, CA 95816 |
Rafael Jauregui | (916) 442-8001 |
SHRA recognizes that homebuyer education is a critical component in preparing buyers for successful, responsible homeownership. Education is also important for homeownership preservation. SHRA assistance programs require prospective homebuyers attend a course of homebuyer education class provided by a HUD Approved Housing Counseling Agency.
Due to Covid-19, SHRA asks participants to contact and set up a virtual class with:
NeighborWorks HomeOwnership Center – Sacramento Region
2411 Alhambra Boulevard
Sacramento, CA 95817
(916) 452-5356
SHRA partners with other government agencies and affordable housing organizations to provide additional resources and information that may be useful to potential homebuyers. Listed below are some of these partners.
California Housing Finance Agency