GETTING A LOAN MADE AS SIMPLE AS 1, 2, 3

  1. Apply for a Quote: Fill out our simple online form below or call us at 510-803-3302.
  2. Discuss Your Options: We contact you for pre-qualification and to determine the right loan for your organization.
  3. Get Funding: We coordinate all loan documentation, require minimal reporting, and help you easily set up loan repayments.
LOAN OPTIONS
GET STARTED
What to look for in a c onstruction Loan

WHAT TO LOOK FOR IN A LOAN


Here are the top five 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.

HOW HCC CAN HELP YOU

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

APPLY NOW

LOAN OPTIONS

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.

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.

GET STARTED

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.

As a certified Community Development Financial Institution (CDFI), Habitat Community Capital is the legal business name of EBSV Community Development, Inc.

 HabitatCommunityCapital-logo-main-WhiteCDFI Certified Logo-450x450-1