Home Ownership Programs

The City of Santa Ana has programs to assist households to purchase homes. One option would be to apply for one of the City’s down payment assistance programs. Another is to purchase an affordable home developed in partnership with a developer and the City and/or Redevelopment Agency. For all City home ownership programs, applicants must complete a pre-purchased home buyer counseling program. For approved counseling centers, please visit the Department of Housing and Urban Development’s (HUD) listing of Approved Home Buyer Counseling Centers. View a list of Orange County Centers.

This website will also periodically include information about programs carried out by other agencies.

Neighborhood Stabilization Program Homes for Sale

ANR Industries, Inc. (ANR) was selected by the City to implement the Single Family portion of the Neighborhood Stabilization Program (NSP). ANR has purchased, renovated, and is now selling previously foreclosed homes to eligible home buyers.

All applicants must be pre-qualified with the pre-qualification lender assigned to the property they are interested in purchasing. However their first mortgage can be from any lender as long as the loan meets program requirements. Homeowners will be selected by lottery when there are multiple qualified home buyers.




Bank Owned Properties

Mortgage Credit Certificate Program (County of Orange)

The Mortgage Credit Certificate Program (MCC) allows eligible households to purchase a home by enabling them to take as much as 15% of their annual mortgage interest payment as a dollar-for-dollar credit against their federal income tax. This program enables participants to reduce their federal income tax withholding making their monthly income available for mortgage payments. The credit can be applied through the life of the mortgage, provided that the original home buyers remain the legal owners and continue to use the home as their principal residence.

Golden State Finance Authority administers the County’s MCC program.  For more information, please contact:

Golden State Finance Authority
Website: http://www.gsfahome.org/programs/mcc/overview.shtml
Toll-free: (855) 740-8422
Email: info@gsfahome.org