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Press clips : Video Clips
1) HUD Homeownership subsidy
2) FNMA Zero-down loans
3) Vouchers Enable Low-Income HomeOwnership
4) Home Ownership: Pipe Dream or a New Reality
5) Daly Plan Pitifully Inadequate
6) May 16 HomeOwnership Debate in San Francisco
7) NAACP Minority HomeOwnership Program
8) Ellis/OMI/Costa Hawkins protections
9)Policy Hurts Immigrants
10)Home Ownership Causes HH Wealth
11)Class War and the Poverty Trap
12) Home Ownership Program for Equity

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homeownership.org
Ownership vs rentSF Housing PollsTenant protectionHOT Revenue subsidyOwnership processPress Clips
 Loan Information ->FHA 0 dp loansFNMA Low programsFNMA Flexible 97FNMA Facts
Purchase money loans Nehemiah DP LoansHUD Special programFHA Fixup/Rehab loanCHFA Loan





Affordable HomeOwnership Alliance

HomeOwnership for Tenants (HOT):

NON-BUYING TENANTS GET PERMANENT PROTECTION FROM COSTA-HAWKINS RENTS INCREASES & ELLIS AND OMI EVICTIONS:

  • Each tenant who chooses not to buy under HOT shall be entitled to continue leasing their unit under all existing rent control protections, plus a LIFETIME LEASE prohibiting owner-move-in evictions and Ellis Act evictions.


  • A tenant can buy their unit even after final recordation of the subdivision map, as long as they can agree to a price with the owner.


  • HOT is completely voluntary. Prices are individually negotiated between owner and tenant.


  • Tenants may also agree with their landlord to buy a different available unit at any time.


  • The HOT plan can save the tenant significant money every month due to the homeownership tax deductions. This money can be put towards other expenses, or towards savings. Homeownership is the foundation for security and equity growth all over the USA – except for San Francisco tenants!


  • Using zero and low-downpayment loan programs identified by HOT makes it possible for thousands to qualify for a homeownership loan. It enables many more tenants to realize the "American Dream" of home-ownership, gives them a sig­nificant stake in the welfare of the City and their community, security for the future and a nest egg that they can tap in emer­gencies.


  • An education program for financial literacy should be a first step for tenants embarking on the path to homeownership. The City, in association with mortgage lenders, already has programs of this kind which can be expanded to cover HOT applicants.

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The Affordable HomeOwnership Alliance is a non-partisan group committed to creative and practical win-win solutions for San Francisco’s housing problems.

Finally, a solution – HOT!





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