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Buy A Home

Homeownership in the San Joaquin Valley is often out of reach for many low-income families because of the high cost of housing, lack of cash available or a monthly payment that is not affordable. 

To meet the needs of those seeking homeownership, Self-Help Enterprises, in cooperation with valley cities and counties, operates homebuyer assistance programs. The programs are designed to provide the additional financing needed to keep a first mortgage payment affordable to first-time homebuyers. 

Self-Help Enterprises matches limited resources to low-income family needs through its homebuyer assistance activities. This is accomplished through teamwork – working with residents, local government, and elected representatives to identify needs, find funding resources, and competing for financial resources.

Eligibility Requirements

  • Provide minimal 1% down payment
  • First-time homebuyers OR have not owned a home in the last 3 years
  • Qualify with a bank or mortgage company for a primary loan
  • Meet gross annual income requirements
  • Complete a homebuyer education course

Property Eligibility

  • May be newly constructed or an existing single family home
  • Purchase price must be less than the maximum sales price limits
  • Located in cities/counties with funding available for the program
  • Property must be owner-occupied OR property must be vacant for at least 3 months
  • House must pass health and safety inspection

Homebuyer assistance programs are subject to availability of funds and on a first-come, first-served basis.

“Thank you for making our family dream of owning a home come true! I have three kids and they have never had a room to their selves. They are so excited and grateful – their happiness is priceless!”
~ Joshua Gutierrez and Dulce Martinez

Areas We Serve

City of Avenal
City of Chowchilla
City of Coalinga
City of Corcoran
City of Delano
City of Dinuba
City of Exeter
City of Farmersville
Kings County
City of Lindsay
Merced County
City of Orange Cove
City of Tulare
Tulare County
City of Wasco
City of Woodlake

 

 FAQs

What are the benefits of the homebuyer assistance programs?

Down payment and closing cost assistance helps you lower your monthly mortgage payment.

Who qualifies as a first-time homeowner?

A first time homeowner is someone who as previously not owned a home or has not owned a home for the past three years.

Are there limits on the purchase price of a home?

Yes. The purchase price limits vary based on the city in which the home is based and total gross household income.

Homes for Sale

Self-Help Enterprises purchases new homes and existing homes in need of repairs. The acquired homes are repaired and brought up to code by professionals contracted through Self-Help Enterprises. These homes are then sold at an affordable price to qualified low-income families and to the general public. Secondary financing may be available depending on the community in which the homes are located.

Homes for Sale

  • Please check back for new listings

For more information, please contact Modern Broker, Inc. agent Heather Mendonca at (559) 805-0908.

Manufactured Housing Mortgage Assistance

The Manufactured Housing Mortgage Assistance Program is designed to provide assistance to eligible, first-time homebuyers in purchasing manufactured housing units. The program provides a 0% deferred payment loan of up to $56,600 for eligible homes located within Kern, Kings, Fresno, Madera, Merced, Stanislaus and Tulare counties.

Read the brochure below to learn more about eligibility requirements, terms of primary loan and property eligibility. For more information contact Shadie Garcia at 559-802-1608.

Manufactured Housing Mortgage Assistance Program Brochure

 

Interest Form 

If you are interested in buying a home, please complete the interest form. A loan processor will contact you to complete a pre-screening application.  

 

Interest Form

Please fill out the form.



Full Name

Home Phone

Work or Cell Phone

Current Address

City

State

Zip

Email

Please select the program(s) you are interested in: To select multiple programs, click on the first program, then press and hold the control (ctrl) key to select the next program(s)

Number of people living in household

Estimated Annual Income


The demographic information below is optional.

Gender

Age

Race

Ethnicity

Interest Form

 

For Our Realtor and Lender Friends

How can the Homebuyer Assistance Program help your buyers?

  • Increases your buyers purchasing power
  • Helps keep mortgage payments affordable
  • May eliminate the requirement for Mortgage Insurance
  • Your buyers will only need 1% of the purchase price to purchase their home

For program guidelines, click on the name of the city, county, or program below.

Below are additional resources:

For more information about our Homebuyer Assistance Programs, please contact Melissa Looney at (559) 802-1649 or Shadie Garcia at (559) 802-1608.



Healthy Homes and Communities

Sustainability

Building homes that are energy efficient, use fewer resources, and are affordable.

Community Building

Empowering people to become leaders in their community.

Health & Wellness

Creating and supporting efforts to promote healthy homes and communities.