For MOHCD program owners

When refinancing a 1st mortgage on a MOHCD-sponsored property, you must follow MOHCD subordination policies.

For MOHCD program homeowners who want to change the title of their home.

If you received financial assistance through MOHCD-sponsored programs, your home insurance policy must include MOHCD as an "additional insured" or "loss payee" on the declarations page.

Reimbursement of improvement or special assessment costs is generally applicable to Below Market Rate (BMR) homeowners.

For homeowners using certain loan programs such as TND, PIC, and some City Second loans

Here are the instructions on how to submit a loan payoff request to MOHCD.

When a Below Market Rate (BMR) homeowner desires to sell their BMR unit, they are required to ensure the unit is in a good and clean condition for the subsequent owner.

For the sales agents and BMR homeowners

HELP loans are for San Francisco homeowners in need of a one-time emergency financial assistance loan due to an unforeseen financial hardship.