San Mateo County Opening Doors Homebuyers Assistance Loan Program (HEART)

Maximum Amount



  • HEART offers a 15-year, second lien downpayment loan of up to $182,025.
  • $5,000 closing cost grant
  • Borrower required downpayment can be entirely from gift funds from a family member.
  • No PMI required. No upfront costs.

Participating Lenders

Approved Education Providers

Program Provider Contact

Bob Fryer at Meriwest Mortgage at (office) 408-363-3452, or (cell) 707-318-8080, or
email at
P: 650-204-5640