Lender Partner Page
This page is to help our lender partners become approved lenders and loan officers who can lend on the properties administered by the HouseKeys Team. Each Municipality’s agreements and processes are unique, but when you register as a HouseKeys loan officer, and pay your annual fee ($350.00), you can lend on any property within the HouseKeys Network, provided you complete the program requirements.
Steps to becoming an approved Loan Officer/ Lender:
Complete Loan Officer Participation Form. Click here to complete form.
Attend a Loan Officer Training Orientation (scheduled by the presenter)
Provide legal documents to your legal team to obtain approval to lend on these deed restricted properties.
Provide HouseKeys with the approval from your legal department to participate.
If applicable, sign and return your Lender Agreements and Loan Officer Agreements.
Once the steps above have been completed, an invoice will be sent to you for the $350 annual fee.
SEE Our list of registered lenders and loan officers
We update this list with new lenders and loan officers as they complete the process. The “pending” loan officers are ones where their lender is still completing program requirements and signing the lender and loan officer agreements.
sign up and registration forms
Sign up for the required Program Orientation Class. These are held in groups or schedule 1-on-1 if there are no upcoming orientation classes.
loan officer 1-on-1 orientation registration ($100)
Please email kamala@housekeys.org to request this.
loan officer group orientation class
We try to have these at least one a month. One of the HouseKeys Team Members will host this class using our power point presentation that’s available for your review.
More content to come - slides
Slide decks for the orientation are emailed out after the orientation takes place.
coming soon- loan officer quiz
We will be moving more of the process online so that loan officers can review content in their own time, take the loan officer quiz, pay the fee - and be registered. This should be up and running by the end of 2022.
lender and loan officer agreements
[only for municipalities with homeownership programs]
hk1: city of morgan hill
MH Program Application Guide 2024
hk2: city of campbell
Campbell Loan Officer Agreement
hk5: city of gilroy
*Loan Agreements for additional cities are currently in process and will be made available in the future.
Legal Documents for each city
MORGAN HILL
MH Program Application Guide 2024
Morgan Hill Resale Restriction Agreement (RRA) 8.25.2023
Morgan Hill Deed of Trust 6.7.2023
CAMPBELL
Campbell Ownership Program Application Guide 11/5/2018
Campbell Resale Restriction Agreement (RRA)
GILROY
Gilroy Resale Restriction Agreement (RRA)
HOLLISTER
Hollister Resale Restriction Agreement (RRA)
SAN RAMON
San Ramon Program Guidelines - (for City Village) 10.25.2023
San Ramon - City Village - Deed of Trust
San Ramon - City Village - Resale Restriction Agreement
San Ramon - City Village - Notice of Affordability
SANTA CLARA
Santa Clara BMP Application Guide (Council Review August 2021 - Revised 2.1.2023)
WEST HOLLYWOOD
*West Hollywood documents coming soon
MENLO PARK
Menlo Park Performance Deed of Trust and Security Agreement
Menlo Park Agreement and Deed Restriction
LOS GATOS
Los Gatos Program Guidelines 4/19/2021
MOUNTAIN VIEW
Mountain View Resale Restriction Agreement and Option to Purchase
MEMORANDUM - Mountain View Resales Restriction Agreement on Refinancing and Resale Price
LAFAYETTE
Lafayette - Woodbury Highlands Resale Restriction Agreement
Lafayette - Woodbury Highlands Disclosures
Lafayette - Woodbury Highlands Deed of Trust
ALAMEDA
Alameda Buyer Selection Guideline
Alameda Legal Documents (all combined into one file)
SAN LUIS OBISPO
San Luis Obispo BMR Guidelines 10/10/2023
San Luis Obispo Avila Ranch Workforce/whip
Down Payment Assistance Deed of Trust (Avila Workforce/Whip)
Down Payment Assistance Promissory Note (30-year term) (Avila Workforce/Whip)
City Deed of Trust with 10-Year Restriction (Avila Workforce/Whip)
City Promissory Note (Avila Workforce/Whip)
San Luis Obispo Avila Ranch Moderate Income
Affordability and Restriction Term: 45 years
Scotts Valley - Acorn COmmons
NEW and UPDATED Documents 10.16.2023 with a 45-year term: