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Linda Gardner
Housing Director
Housing & Community Development Department
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First Time Home Buyer Programs


Mortgage Credit Certificate Program


On a Countywide basis, the Mortgage Credit Certificate Program (MCC) is available to assist FIRST TIME HOMEBUYERS, who meet certain income limits, better afford a first mortgage on their first home.

Additional Home-Ownership Resources

Different cities within Alameda County provide assistance for Low Income families or First Time Homebuyers. On a City-by-City basis, down payment assistance, silent second mortgage programs or below market rate units may be available to assist you and your family in purchasing a home. Contact Information For Each City (20Kb)*

The Federal Government and the State of California have different programs available to assist Low Income Families or First Time Home-buyers. For more information:

Predatory Lending

When buying a home, protect yourself against excessive fees, high interest rates and other predatory lending tactics. More about Predatory Lending...

Counseling & Financial Literacy

Many First Time Homebuyers and Low Income Families require assistance with credit repair, budgeting, counseling, or financial literacy in order to qualify for a mortgage or get ready to buy that first home. Several community organizations provide counseling to individuals and families looking to purchase homes in Alameda County. Click here for a list of programs.


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