Housing Trust of Silicon Valley Homebuyer Empowerment Loan Program (H.E.L.P.)

Maximum Amount

Up to $80,000 (10% of Purchase Price)


  • No monthly principal or interest payments required.
  • Payment is deferred until Maturity Date is reached, sale of the home or refinance othe first mortgage.
  • Up to 140% of AMI Income limit.

Participating Lenders

Housing Trust works with all approved California-licensed lenders.

Approved Education Providers

All borrowers (including non-borrowing spouses) must attend a HUD-certified Homebuyer Education through an in-person or online class from a designated agen

Program Provider Contact

Hong Anh Ngo, Senior Homebuyer Programs Specialist, (408) 703-3837 Ext. 303
hong@housingtrustsv.org OR homebuyer@housingtrustsv.org
Adria Quinones-Masur, Director of Homebuyer Programs, (408) 703-3837 Ext. 234 adria@housingtrustsv.org