Lender Partner Page

This page is to help our lender partners become approved lenders and loan officers who can lend on the properties administered by the HouseKeys Team. Each Municipality’s agreements and processes are unique, but when you register as a HouseKeys loan officer, and pay your annual fee ($350.00 currently waived), you can lend on any property within the HouseKeys Network, provided you complete the program requirements.

Steps to becoming an approved Loan Officer/ Lender:

  1. Complete Loan Officer Participation Form. Click here to complete form. This is allow you to receive an invite for the next scheduled zoom training.

  2. Attend a Loan Officer Training Orientation (scheduled by the presenter)

  3. Provide legal documents to your legal team to obtain approval to lend on these deed restricted properties. They must email kamala@housekeys.org the approval for each program approved.

  4. Reminder, the Restrictions, Notes, Deeds and guidelines are below.

  5. If applicable, sign and return your Lender Agreements and Loan Officer Agreements (for Campbell, Gilroy, Morgan Hill).

  6. Once the steps above have been completed, an invoice will be sent to you for the $350 annual fee (currently waived).

SEE Our list of registered lenders and loan officers

We update this list with new lenders and loan officers as they complete the process. The “pending” loan officers are ones where their lender is still completing program requirements and signing the lender and loan officer agreements.

sign up and registration forms

Sign up for the required Program Orientation Class. These are held in groups or schedule 1-on-1 if there are no upcoming orientation classes.

loan officer 1-on-1 orientation registration ($100)

Not currently available.

loan officer group orientation class

We try to have these at least one a month. One of the HouseKeys Team Members will host this class using our power point presentation that’s available for your review.

More content to come - slides

Slide decks for the orientation are emailed out after the orientation takes place.

 

coming soon- loan officer quiz

We will be moving more of the process online so that loan officers can review content in their own time, take the loan officer quiz, pay the fee - and be registered. This should be up and running sometime in 2025.

lender and loan officer agreements

[only for municipalities with homeownership programs]

hk1: city of morgan hill

MH Program Application Guide 2024

MH Loan Officer Agreement

MH Lender Agreement

hk2: city of campbell

Campbell Loan Officer Agreement

Campbell Lender Agreement

hk5: city of gilroy

Gilroy Loan Officer Agreement

Gilroy Lender Agreement

*Loan Agreements for additional cities are currently in process and will be made available in the future.


 
 
 
 
 
 
 
 
 
 
 
 

SAN LUIS OBISPO

San Luis Obispo BMR Guidelines 10/10/2023

San Luis Obispo Avila Ranch Workforce/whip

Down Payment Assistance Deed of Trust (Avila Workforce/Whip)

Down Payment Assistance Promissory Note (30-year term) (Avila Workforce/Whip)

City Deed of Trust with 10-Year Restriction (Avila Workforce/Whip)

City Promissory Note (Avila Workforce/Whip)

San Luis Obispo Avila Ranch Moderate Income

Affordability and Restriction Term: 45 years

 

Click on any of the Municipality Links below to go directly to the Program Website. Some sites are restricted as they are still under construction.