Habitat Community Capital

How it works


Apply for a Quote

Fill out our simple online form below or call us at 510-345-0546.

Discuss Your Options

We contact you for pre-qualification and to determine the right loan for your organization.

Get Funding

 We coordinate all loan documentation, require minimal reporting, and help you easily set up loan repayments.


HCC is committed to making the lending process easy and affordable. Here’s how:

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    Low Interest Rates
  • House Icon
    Minimal Collateral 
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    Little Support Expense
  • No Relationship Icon
    No Long-term Expenses
  • Mortgage Process
    Simple Loan Processing

Loan options

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    Construction Loan

    The HCC Construction Loan offers builders the financing they need to construct affordable housing. Organizations leverage the property they are developing to acquire funds for the building process. Funds are drawn from the Construction Loan in phases, so organizations can match the timing of their borrowing to the timing of their expenses. Borrowers make monthly interest payments only on funds drawn and no principal payments need be made until the end of the loan.

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    Mortgage Loan

    Affordable homeownership organizations can help their homebuyers pay for their new homes with Mortgage Loans from HCC. Organizations team with HCC to lock in competitive interest rates for their low- and moderate-income homebuyers, ensuring a smooth transition of ownership once construction is complete. Mortgage Loans are offered in a variety of term lengths and can be acquired for one or many homebuyers.

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    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.
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    Secured Loan

    Secured Loans provide affordable housing organizations with funding for almost any stage of their next construction project, from land acquisition and pre development all the way though construction itself.  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.


Here are the top 5 things to consider when evaluating your organization's loan options:

  1. Interest rates: Doing your research to get the best interest rate is fundamental, but don’t forget to consider the points below before applying for a loan.
  2. Collateral requirements: Commit as little collateral as necessary to acquire the money you need.
  3. Fees: Be mindful of all the additional fees you’re paying, but also don’t let them scare you off - finding the right balance is key.
  4. Restrictions: Don’t get locked into a bad deal for years and years, try to give yourself as many options as possible.
  5. Make it easy on yourself: Work with someone who knows your industry and isn’t going to make your life miserable with constant paperwork and property assessments.
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As a part of Habitat for Humanity East Bay/Silicon Valley, Habitat Community Capital (HCC) was founded in 2016 as a nonprofit lender in response to Habitat affiliates and other affordable housing developers’ increasing need for more affordable financing options.

Habitat Community Capital (formerly EBSV Community Development, Inc.) is a certified Community Development Financial Institution (CDFI).

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CDFI Certified Logo