Habitat Community Capital

The current real estate climate makes it an uphill battle to fund any housing project, but affordable housing is especially challenging to finance.  We aim to change that by increasing the capacity of affordable housing organizations to build more homes and serve more people.

HCC logo

Who We  Are

As a part of Habitat for Humanity—with decades of affordable housing experience—Habitat Community Capital (HCC) was founded in 2016 as a nonprofit lender to provide Habitat affiliates and other affordable housing developers with the critical funding to build more homes.

As a certified Community Development Financial Institution (CDFI), we provide upfront capital and liquidity directly to affordable housing organizations so they can accelerate and expand affordable housing projects and serve more people, faster.

Our Financial Products


Mortgage Purchase

Our Mortgage Purchase program generates immediate liquidity for affordable developers through the purchase of existing mortgage loans. Many affordable homeownership builders originate their own mortgage loans for partner families; the organizations then hold, service, and receive payments for the lifetime of the mortgage. Organizations sell these mortgages to HCC for a lump sum to fund their next development.

Construction Loan

Construction Loans provide established organizations with funding for for their next construction project, giving them the liquidity they need to increase their capacity and expand the production of affordable housing. With interest rates that are generally lower than conventional financing, organizations can dedicate more capital towards building homes. HCC does not require interest payments during the life of the loan, so borrowers maintain liquidity throughout construction and repay the loan once the completed homes sell.

How It Works

We leverage capital from banks, foundations, corporations, and government agencies and move investments quickly to the organizations that need them, so they can get to work building the affordable housing we need.

We’ve structured our loans specifically to respond to the challenges facing affordable housing organizations.

+ Low interest rates

+ Little to no upfront expense

+ Simple & smooth loan processing

+ Easier to access than conventional financing

HCC-Finished Development
Community Capital Builds

Investment Opportunities

An investment in HCC is an investment in your community, increasing the capacity of affordable housing organizations to build more homes and serve more people.

By providing upfront capital and liquidity directly to affordable housing organizations, HCC enables these organizations to accelerate and expand affordable housing projects, leveraging your investment to serve more people, faster.



To discuss a partnership, please contact Matt Nelson, Operations Manager, at MNelson@HabitatEBSV.org


Latest From The Blog

Meet Harold, a Cycle of Hope Rider

The Real Challenge Some people ride Cycle of Hope to challenge their physical limits. For Harold DeGuzman, Cycle of Hope is a chance to challenge the status quo, as well.

Read more

3 Ways to Get Involved with Cycle of Hope – No Bike Needed!

In an effort to keep our communities safe, we’re bringing this year’s ride to you with Cycle of Hope: Ride from Home! The best part about taking our annual ride “virtual” is that it offers riders AND ...

Read more


Financial Education Webinar: Credit Reports and Credit Scores

September 24, 2020

Good credit plays an important role in your financial life. Your credit score and credit report are often used to determine whether to approve your loan, credit, loan, rent or job application. At ...

Read more

Cycle of Hope 2020

October 10, 2020

Cycle of Hope, the Bay Area’s premier cycling event, is back for its third year!

However, this year's charity ride looks a little different. As we shift gears to keep our community safe in the face of a health crisis, we’re bringing our ...

Read more