HCV Homeownership

Housing Choice Voucher (HCV) Homeownership Program

Are you interested in owning your own home? If you are an Housing Choice Voucher (HCV) participant, there’s good news! The HCV Homeownership Program is designed to help low-income families transition from renting to owning. With this program, you can apply your monthly voucher amount towards your mortgage payments instead of rent. This means you may own a home with the support of the HCV program for up to 15 years, and even longer for certain eligible families.
Your Steps to Homeownership
  • Embarking on the journey to homeownership through the HCV Homeownership Program involves a few important steps:
  1. Educational Foundation: Each family must complete a HUD-approved homeownership counseling and education program. This is crucial for understanding the ins and outs of buying a home and managing a mortgage.
  2. Securing Financing: While Fresno Housing supports your path to homeownership, it does not provide loans or determine the amount you can borrow. It’s up to you to secure financing. Finding a knowledgeable lender is essential for the success of your homeownership journey.
  3. Financial Assistance: Please note that Fresno Housing does not offer down payment assistance or financial aid apart from the Housing Assistance Payment (HAP). Your voucher can be applied to your monthly mortgage but it’s up to you to secure your other financial needs.
  4. Freedom of Choice: You have the freedom to choose from a variety of mortgage loan products and lenders. The HCV Homeownership Program does not limit you to specific options.
  5. Real Estate and Inspection: It’s in your hands to find a real estate agent who understands your needs and preferences. Additionally, hiring an independent inspector is vital to ensure the property meets your standards and requirements.
Online Orientations
  • You are invited to attend an orientation to learn more about the HCV Homeownership Program. Orientations will be held online via Zoom.These orientations are not required and are for informational purposes only. Attendance does not guarantee acceptance into the HCV Homeownership Program.If you require an interpreter, you must email: HCVhomeownership@fresnohousing.org or call (559) 441-2326,one week in advance of the scheduled zoom webinar.
Online orientation dates and registration links:

2025 DATES COMING SOON 2025 DATES COMING SOON 2025 DATES COMING SOON
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Download the orientation notes packet

Information for Lenders (FAQ)

Lenders Contact Information (below)

Guild Mortgage

Self Help Federal Credit Union

Instructions for the Zoom Meeting
  • There are 3 different ways you can join our Zoom meeting using your computer, smart
  • phone or by calling-in.

On a computer

  1. Option 1:
    1. Download the Zoom app from the website: Zoom.com Open the Zoom app
    2. Click “Join a Meeting”
    3. Enter the meeting ID and your name. Set up audio/video permissions
    4. Join the meeting!
  2. Option 2:
    1. You can join the Zoom meeting just through your web browser
    2. Go to Zoom.com
    3. Ignore the step that asks you to download the app and skip to the small print: “If you cannot download or run the application, join from your web browser”
    4. Click the highlighted text
    5. Enter the meeting ID and your name. Set up audio/video permissions
    6. Join the meeting!
  1. From your smart phone
    1. Download the Zoom app to your phone
    2. Android users: app found under Play store
    3. iPhone users: app found under Apple store Open the app
    4. Tap on Join a meeting
    5. Enter the meeting ID and your name. Set up audio/video permissions