Become a Participating Lender

To become a participating lender for the San Diego Housing Commission (SDHC) or County of San Diego First-Time Homebuyer Programs (FTHB) you are required to:

  • Attend an SDHC lender training seminar (email to be placed on the interest list)
  • Submit a Lender Participation Agreement along with a copy of your California Department of Corporations License Certificate or Department of Real Estate License Certificate.
  • Pay a $400 annual fee.

The completed Lender Participation Agreement and annual fee payment may be mailed to:

San Diego Housing Commission
Attn. Loan Management
1122 Broadway, Suite 300
San Diego, CA 92101

Submit Loan Packages

Follow the instructions on the Guide to Submitting FTHB Application.

All documents must be signed and submitted in the requested order.

Prior to submitting loan packages for underwriting, lenders should check this website for updates on loan documents, available funds or program changes.

Submit applications to or mail them to:

San Diego Housing Commission
Attention: First-Time Homebuyer Program
1122 Broadway, Suite 300
San Diego, CA 92101

Forms & Documents

List of Participating Lenders

3% Interest Deferred Payment Loan Program Guidelines

Voluntary Acquisition Informational Notice

Program Summary Chart

Mortgage Credit Certificate Information Packet

Approved Home Inspectors

Census Tract

Homebuyer Education Providers

Availability of Funds

Lender Participation Agreement

FTHB Program Application Use for City of San Diego & County of San Diego Program

Mortgage Credit Certificate Application City of San Diego only

City of San Diego Mortgage Credit Certificate Guidelines

City of San Diego Closing Cost Grant Guidelines

County of San Diego Deferred Loan Guidelines

Area Median Income

3% Interest Deferred Payment Loan/Closing Cost Assistance Manual

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