Resources for homeowners and potential homeowners

Owning a home is a big part of the American Dream. Here are some resources that can help you buy, maintain and keep your home.
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Need help? Contact our housing specialists at:  housing@hayward-ca.gov | (510) 583-4454 | (510) 583-5547 Español
  1. Home buyer resources

Information coming soon...

  1. Homeowner assistance programs

Homeownership resource hub, designed to guide both aspiring and seasoned homeowners. Whether you're navigating the complex process of purchasing your first property, seeking insights on maintaining and improving your current home, or exploring financial strategies related to homeownership, these programs aims to support you every step of the way. View the programs →

  1. Below Market Rate (BMR) property capitol improvement approvals

An owner of a Below Market Rate (BMR) property should contact the City before starting any capital improvement project. Certain capital improvements may increase the value of the home if you decide to sell but only if you have City approval. The information below will help homeowners of BMR units understand what qualifies as an eligible capital improvement and how to get approval from the City. View more information →

  1. Below Market Rate (BMR) property purchase

Below Market Rate (BMR) property offer a unique opportunity for individuals and families to own homes at prices below the market rate, providing a pathway to secure housing in otherwise expensive real estate markets. This page is dedicated to providing you with essential information, guidance, and steps involved in acquiring a BMR home. Explore our comprehensive resources and gain insights into the eligibility criteria, application process, and the benefits of owning a BMR property. Empower yourself with the knowledge to make informed decisions and take a significant step towards achieving your dream of homeownership. Learn more about the requirements for purchase →

  1. Below Market Rate (BMR) property refinancing

Below Market Rate (BMR) properties require City written approval in order to refinance. An owner of a BMR property should contact the City before starting the refinance process. The information here will help homeowners of BMR properties understand the requirements of the refinance process and how to get approval from the City. Review the refinancing guidelines →

  1. Below Market Rate (BMR) property resale (maximum restricted resale price)

When an owner of a Below Market Rate (BMR) property decides to sell their home, they must sell their home to an income eligible buyer. The City will calculate the maximum price that the home can be sold, the Maximum Restricted Resale Price. Homeowners of a BMR property who wish to sell their home should contact the City before starting the sale process. Learn more about the Maximum Restricted Resale Price 

  1. Market Rate property City loan balance request

Information coming soon...

  1. Market Rate property City loan refinancing

An owner of a market rate unit should have their chosen real estate professionals contact the City at the start of the refinance process. The information below will help homeowners who have a market rate unit with a City loan understand their options. Review your options →

  1. Market Rate property City loan resale

Information coming soon...

  1. Paying off your City home loan

Information coming soon...