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First Time Home Buyer Resources

Financing Options for First Time Buyers (No-Down, Low-Down loan options)

  • Mortgage Resources for First Time Home Buyers
  • FHA Loans (financing up to 96.5% of purchase price)
  • California Housing Down Payment Assistance Program
  • CalSTRS First Time Buyer Program (for teachers)
  • USDA Loans (100% financing)
  • VA Loans (100% financing for military veterans)

Santa Cruz (County)

  • Housing Authority – First Time Buyer page
  • Redevelopment Agency – Affordable Housing Information
  • Measure J Housing Program – Brochure
  • Planning Department/Housing Information Page
  • Mortgage Credit Certificate
  • First Time Buyer Downpayment Assistance Program

Capitola

  • Community Development Housing Program

Santa Cruz (City)

  • First Time Homebuyer Programs
  • Housing and Community Development
  • Measure O Inclusionary Housing Units (PDF document)

Scotts Valley

  • Affordable Housing Plan (PDF document)
  • First Time Home Buyer Qualifying Spreadsheet (PDF Document)

Watsonville

  • First Time Homebuyer Program
  • Affordable Housing

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(800) 489-8299

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Latest Podcast

Episode 51: David Aronovici on Home Inspections
31 March 2020

David Aronovici grew up in beautiful Aptos, California – in the heart of bucolic Santa Cruz County. His youthful passion as a surfer led him into a career in surf board manufacturing, which he pursued for 20 years before transitioning into real estate home inspections. When buying or selling real estate, one of the most... The post Episode 51: David Aronovici on Home Inspections appeared first on Bay to Bay Podcast. [...]

Contact Us

Seb Frey, REALTOR®
Compass • Los Gatos, CA
750 University Ave #150
Los Gatos, CA 95032
(800) 489-8299

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