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Alameda County, CA, acgov.org

Linda Gardner
Housing Director
Housing & Community Development Department

First Time Home Buyer Programs


Counseling & Financial Literacy


If you are not sure of your next step, or need assistance in qualifying for a mortgage, the following community based programs are available to assist you in moving towards home ownership.

Financial Literacy Program

Online education tool, teaches about credit and household finance. On the website are programs specifically targeting different age groups, including elementary school, middle school, and adult ages. Information is offered in English and Spanish. http://www.handsonbanking.org/

Neighborhood Housing Services Silicon Valley (NHSSV)

NHSSV provides programs and services that promote and support responsible home ownership http://www.nhssv.org

Consumer Credit Counseling Services

Credit Counseling Services
http://www.cccsatl.org/

Neighborhood Assistance Corporation of America (NACA)

No down payment loans, credit counseling and Refinance of predatory loans
http://www.naca.com

The Associated Community Action Program (ACAP)

Administer Federal funds under the Community Services Block Grant (CSBG) for its jurisdiction, http://www.alamedasocialservices.org/public/community/boards/acap.cfm

The Tri Valley Housing Opportunity Center

Provides counseling and assistance for those wishing to purchase a home in the Livermore, Pleasanton and Dublin areas. (925) 373-3930. Refer to the City of Dublin website for additional information. http://www.tvhoc.org

NID Housing Counseling Agency

Provides housing counseling solutions including pre-purchase counseling and education, rental assistance counseling and mobility counseling, delinquency/default counseling, reverse mortgage counseling, post-purchase counseling, predatory lending counseling, and community development counseling http://www.nidonline.org.

Operation HOPE

A national non-profit self-help organization and a leading provider of economic empowerment tools and services for the under-served. The mission of Operation HOPE is the eradication of poverty as we know it in America by utilizing education as the ultimate poverty eradiation tool. Operation Hope is located at 3060 E. 9th Street, Oakland, CA 94610.

The Unity Council/Homeownership Center

Promotes community awareness about homeownership opportunities and other public education issues, including electric conservation, credit counseling and other information necessary to maintain economically stable communities. http://www.unitycouncil.org


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