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.
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
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 has 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.
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.
FOR SALE – COMPLETE REMODEL: 621 S. PRATT STREET, TULARE (See Map)
Household must be under the following income limits per number of household members:
1. $50,160 2. $57,360 3. $64,560 4. $71,640 5. $77,400 6. $83,160 7. $88,920 8. $94,680
For program guidelines, click on the name of the city, county, or program below.
Below are additional resources:
- Realtor and Lender Guidelines
- HOME and CDBG Income Limits
- Sales Price Limits
- Submission Form / Lender Cover Letter
For more information about our Homebuyer Assistance Programs, please contact Juan Jaime at (559) 802-1642 or firstname.lastname@example.org.
In an effort to encourage infill residential development in the Old Town area, the City of Clovis has developed several “Cottage Home” plans that may be utilized on properties having alley access. These home plans (of less than 400 square feet of livable space) are intended to orient onto alleys and provide for a unique pedestrian street environment while also revitalizing the alleys and creating more housing in the highly desirable Central Clovis area.
In partnership with the City of Clovis, Self-Help Enterprises will provide financing to eligible property owners seeking funding to build or repair Accessory Dwelling Units on their existing single-family lot. The program tar-gets the City of Clovis’ existing ADU Program/ Cottage Home Program.
- English & Spanish Program Flyer
- About the Process
- About the Loan Program
- Cottage Plan 1
- Cottage Plan 2
- Cottage Plan 3
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.