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City of Santa Clara

City of Santa Clara Below Market Purchase (BMP) Pre-Application - Let's get started

Greetings!

Hello Housing, a nonprofit affordable housing organization, administers the City of Santa Clara's Below Market Purchase (BMP) Ownership Program on behalf of the City of Santa Clara. This pre-application will be reviewed by Hello Housing to determine initial eligibility to move forward in the application process. This pre-application is the first step in the application process and includes required information as well as optional information. Unless a section is labeled "Optional" it is a required section and must be completed. We encourage applicants to complete all sections. Answers to optional questions are confidential and will NOT impact your eligibility. In aggregate, the collective answers from the pool of applicants will help Hello Housing better understand who benefits from affordable homeownership programs and to advocate for effective programs to policymakers.

Before you proceed, you must have a pre-qualification letter from one of the City's Preferred Lenders. A pre-qualification is an initial assessment by a mortgage lender of a potential borrower's creditworthiness based on self-reported financial information, including income, debts, assets and credit score. If you do not have a pre-qualification letter, stop the application process, contact one of the City's Preferred Lenders to obtain an assessment to ensure that you are able to qualify for the purchase price of the unit before proceeding. You can find a list of City-approved lenders here. *Your pre-qualification letter must indicate that you qualify for a loan that supports the purchase price of the unit that you are applying for and should be dated within 6 months of your application.*

The City has nine (9) new Below Market Purchase opportunities at Toll Brother's 3131 Camino Development located on El Camino Real. Households who are interested in pursuing these opportunities are invited to complete a pre-application. The pre-application period will be open through 5:00 PM on August 31, 2026 after which time the application period will be closed and no additional applications will be accepted. All pre-applicants who submit an eligible application by the deadline will be invited to attend a virtual mandatory BMP Application Workshop to learn more about the new units, the BMP Program and the full application process. Please note that there are minimum and maximum household size requirements per the BMP Guidelines. The 2-bedroom units require a minimum of 2 people and a maximum of 5 people. The 3-bedroom units require a minimum of 3 people and a maximum of 7 people.

Please read through the program guidelines here, and keep an eye out for email communications regarding your pre-application status and the dates of the BMP Application Workshop.

Thanks!
Hello Housing Team

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Section I. General Information

First Name

Last Name

Street

City

State

Zip Code

Phone

Hello Housing believes that fair and equal access to housing opportunities and programs is critical to supporting diverse communities where people thrive. To know how we are doing, we need to collect demographic information of our applicants. And, we need to collect this information in a way that can be compared with other publicly-available information. The format and choices of the following questions mirror how these questions are asked by the U.S. Census Bureau.

Please be assured that this information is only used in the aggregate and is not used in any way to determine your household’s eligibility for any program offering. By providing this information, you are helping us better understand the reach and impact of our programs in the communities we serve, which in turn leads to more effective housing solutions.

Applicant Demographics

Please enter information about the primary applicant below.

Gender

Are you living with a disability?

YesNoPrefer Not to Answer

Disability is defined per the U.S. Census Bureau's Disability Glossary found here.

Are you a Veteran

YesNo

Employment Status

Marital Status

Education

Race (select all that apply)

American Indian or Alaska NativeBlack or African AmericanMiddle Eastern or North AfricanWhiteAsian - ChineseAsian - FilipinoAsian - Asian IndianAsian - VietnameseAsian - KoreanAsian - JapaneseAsian - Other Asian Native Hawaiian or Pacific Islander - Native HawaiianNative Hawaiian or Pacific Islander - SamoanNative Hawaiian or Pacific Islander - ChamorroNative Hawaiian or Pacific Islander - TonganNative Hawaiian or Pacific Islander - Other Pacific Islander Latino or Hispanic - Mexican or ChicanoLatino or Hispanic - SalvadoranLatino or Hispanic - GuatemalanLatino or Hispanic - Puerto RicanLatino or Hispanic - CubanLatino or Hispanic - Other Latino/HispanicOther race - none of the above

I understand the reason for asking and I still choose not to respond

Other Asian (specify)

Other Pacific Islander (specify)

Other Latino/Hispanic (specify)

Other than the above (specify)

Primary Language

Your answers below help us make the program more accessible to applicants who speak different languages. Your answers will not be used in any way to determine your eligibility for this program.

How well do you speak English?

Do you speak a language other than English at home?

Yes No

What is this language?

Other Language

Are there additional members in your household?

YesNo

Include all adults AND children living at least 50% of the time in the household. For minors to count in your household size they must be claimed as a dependent on the most recent tax return of one of the adult household members OR one of the adult household members must be able to provide evidence of at least 50% custody of the minor. Please note that all household members must have lived together in the same residence for at least the past six months.

How many additional household members will be on your application (not including yourself)

You must have no more than 4 additional household members (5 household members total) to be eligible for the 2-bedroom BMP units and no more than 6 additional household members (7 household members total) to be eligible for the 3-bedroom BMP units.

Your household must have a minimum of two people.

Household Member Demographics

Additional Household Member #1

First Name

Last Name

Relationship to Primary Applicant?

Gender

Is this person living with a disability?

YesNoPrefer Not to Answer

Disability is defined per the U.S. Census Bureau's Disability Glossary found here.

Is this person under 18 years of age?

YesNo

Is this person a Veteran

YesNo

Employment Status

Marital Status

Education

Race (select all that apply)

I understand the reason for asking and I still choose not to respond

Please select EITHER race options OR choose not to respond

Other Asian (specify)

Other Pacific Islander (specify)

Other Latino/Hispanic (specify)

Other than the above (specify)

Primary Language

Your answers below help us make the program more accessible to applicants who speak different languages. Your answers will not be used in any way to determine your eligibility for this program.

How well do you speak English?

Do you speak a language other than English at home?

Yes No

What is this language?

Other Language

Household Member Demographics

Additional Household Member #2

First Name

Last Name

Relationship to Primary Applicant?

Gender

Is this person living with a disability?

YesNoPrefer Not to Answer

Disability is defined per the U.S. Census Bureau's Disability Glossary found here.

Is this person under 18 years of age?

YesNo

Is this person a Veteran

YesNo

Employment Status

Marital Status

Education

Race (select all that apply)

I understand the reason for asking and I still choose not to respond

Please select EITHER race options OR choose not to respond

Other Asian (specify)

Other Pacific Islander (specify)

Other Latino/Hispanic (specify)

Other than the above (specify)

Primary Language

Your answers below help us make the program more accessible to applicants who speak different languages. Your answers will not be used in any way to determine your eligibility for this program.

How well do you speak English?

Do you speak a language other than English at home?

Yes No

What is this language?

Other Language

Household Member Demographics

Additional Household Member #3

First Name

Last Name

Relationship to Primary Applicant?

Gender

Is this person living with a disability?

YesNoPrefer Not to Answer

Disability is defined per the U.S. Census Bureau's Disability Glossary found here.

Is this person under 18 years of age?

YesNo

Is this person a Veteran

YesNo

Employment Status

Marital Status

Education

Race (select all that apply)

I understand the reason for asking and I still choose not to respond

Please select EITHER race options OR choose not to respond

Other Asian (specify)

Other Pacific Islander (specify)

Other Latino/Hispanic (specify)

Other than the above (specify)

Primary Language

Your answers below help us make the program more accessible to applicants who speak different languages. Your answers will not be used in any way to determine your eligibility for this program.

How well do you speak English?

Do you speak a language other than English at home?

Yes No

What is this language?

Other Language

Household Member Demographics

Additional Household Member #4

First Name

Last Name

Relationship to Primary Applicant?

Gender

Is this person living with a disability?

YesNoPrefer Not to Answer

Disability is defined per the U.S. Census Bureau's Disability Glossary found here.

Is this person under 18 years of age?

YesNo

Is this person a Veteran

YesNo

Employment Status

Marital Status

Education

Race (select all that apply)

I understand the reason for asking and I still choose not to respond

Please select EITHER race options OR choose not to respond

Other Asian (specify)

Other Pacific Islander (specify)

Other Latino/Hispanic (specify)

Other than the above (specify)

Primary Language

Your answers below help us make the program more accessible to applicants who speak different languages. Your answers will not be used in any way to determine your eligibility for this program.

How well do you speak English?

Do you speak a language other than English at home?

Yes No

What is this language?

Other Language

Household Member Demographics

Additional Household Member #5

First Name

Last Name

Relationship to Primary Applicant?

Gender

Is this person living with a disability?

YesNoPrefer Not to Answer

Disability is defined per the U.S. Census Bureau's Disability Glossary found here.

Is this person under 18 years of age?

YesNo

Is this person a Veteran

YesNo

Employment Status

Marital Status

Education

Race (select all that apply)

I understand the reason for asking and I still choose not to respond

Please select EITHER race options OR choose not to respond

Other Asian (specify)

Other Pacific Islander (specify)

Other Latino/Hispanic (specify)

Other than the above (specify)

Primary Language

Your answers below help us make the program more accessible to applicants who speak different languages. Your answers will not be used in any way to determine your eligibility for this program.

How well do you speak English?

Do you speak a language other than English at home?

Yes No

What is this language?

Other Language

Household Member Demographics

Additional Household Member #6

First Name

Last Name

Relationship to Primary Applicant?

Gender

Is this person living with a disability?

YesNoPrefer Not to Answer

Disability is defined per the U.S. Census Bureau's Disability Glossary found here.

Is this person under 18 years of age?

YesNo

Is this person a Veteran

YesNo

Employment Status

Marital Status

Education

Race (select all that apply)

I understand the reason for asking and I still choose not to respond

Please select EITHER race options OR choose not to respond

Other Asian (specify)

Other Pacific Islander (specify)

Other Latino/Hispanic (specify)

Other than the above (specify)

Primary Language

Your answers below help us make the program more accessible to applicants who speak different languages. Your answers will not be used in any way to determine your eligibility for this program.

How well do you speak English?

Do you speak a language other than English at home?

Yes No

What is this language?

Other Language

Program

Campaign

Campaign ID

Section II. Basic Eligibility

Household Details

Have any adult members of your household owned a home in the last three years?

YesNo

The City of Santa Clara requires that no individual in the applicant household has owned any interest in a principal residence during the three-year period preceding the date of the Program Application with the following exceptions. Please indicate which one may apply to you:

A displaced homemaker or spouse who, while a homemaker, owned a home with his or her spouse or resided in a home owned by the spouse. A displaced homemaker is an adult who has not, within the preceding two years, worked on a full-time basis as a member of the labor force for a consecutive twelve-month -period and who has been unemployed or underemployed, experienced difficulty in obtaining or upgrading employment and worked primarily without renumeration to care for his or her home and family.A single parent who, while married, owned a home with his or her spouse or resided in a home owned by the spouse. A single parent is an individual who is unmarried or legally separated from a spouse and has one or more minor children for whom the individual has custody or joint custody or is pregnantAn individual or individuals who owns or owned, as a principal residence during the three-year period before the purchase of a BMP home a dwelling whose structure is not permanently affixed to a permanent foundation in accordance with local or state regulations.An individual or individuals who owns or owned, as a principal residence during the three-year period before the purchase of a BMP home a dwelling whose structure is not in compliance with state, local, or model building codes and cannot be brought into compliance with such codes for less than the cost of constructing a permanent structure. None of the above.

You do not meet the first-time homebuyer requirement for the City of Santa Clara BMP Program.

Household Income

Include all gross income (before taxes) anticipated for the current year, earned by adults in the household aged 18 or over. Include regular employment, self-employment, gratuities and commissions BEFORE taxes and other deductions, child or spousal support, pension, Social Security, disability pension, Worker’s Compensation, investment income and any other miscellaneous income. Please project annual income based on year-to-date income including overtime pay, plus any anticipated bonuses.

Combined ANNUAL Income for all Adults

Please enter a number without dollar signs, decimals or commas

Please double check your income. The City of Santa Clara BMP Program does not have a minimum income requirement, but annual income of this amount could make it difficult to qualify for a first mortgage in Santa Clara.

Your annual income is too high to qualify for the City of Santa Clara BMP Program.

Household Assets

Assets are NOT the same as income. Assets include: the value of all cash in all of your financial accounts including checking and savings, mutual funds, etc., any cash on hand you may have, and the amount of equity in any real estate owned. Please also include the value of any gift funds or funds you anticipate withdrawing from retirement account(s) for your home purchase. Combine the total value of all of these assets for all adults in your household. Please DO NOT include the value of retirement account balances that you do not plan to withdraw for the home purchase, life insurance policies, special needs trusts or 529 college savings accounts. Enter 0 for no assets.

Estimated Combined Assets for all Adults

Please enter a number without dollar signs, decimals or commas

Please double check your asset amount. The City of Santa Clara BMP Program requires that BMP home buyers have at least 3% (three percent) of the purchase price for a down payment. This down payment must come from the applicant's own funds and be present in the applicant's account(s) for at least three months.

The Santa Clara BMP program has a limit of $100,000 in post-purchase liquid assets. This means that although you can move forward with the pre-application at this time, at the time you close on a BMP home in Santa Clara your liquid assets must be at $100,000 or less.

Preference Criteria

The City has established a Priority Preference system which prioritizes limited Below Market Rate homes for households who live and work within the City limits of Santa Clara. You can view the Priority Preferences and the definition of what it means to live or work in the City along with the type of documentation you will have to submit can be found here.

Answers to the questions below will establish which of the priorities you fit within. PLEASE NOTE, if you are selected to move forward in the application process, you will have to provide documentation that demonstrates that you meet the priority that you select based on your answers below. If you are not able to demonstrate that you meet the priority you have selected, you will be disqualified.

Does any applicant who will be listed as an owner on title for the property currently live AND work within the City Limits of the City of Santa Clara? At least one applicant listed as an owner on the property title must meet the following criteria: they must currently reside within the City Limits of Santa Clara and have done so for a minimum of six months prior to applying. Additionally, this individual must either operate a business or be employed by a business, public agency, or quasi-public agency located within the City Limits of Santa Clara for at least six months at time of application.

YesNo

Does any applicant who will be listed as an owner on title for the property currently live within the City Limits of the City of Santa Clara? At least one applicant who will be listed as an owner on the title of the property who currently lives within the City Limits of Santa Clara and has been for at least the past 6 months at the time of application.

YesNo

Does any applicant who will be listed as an owner on title for the property currently work within the City Limits of the City of Santa Clara? At least one applicant who will be listed as an owner on title of the property who currently operates a business or is currently employed by a business or a public agency or a quasi-public agency in the City of Santa Clara and for at least the past 6 months at the time of application.

YesNo

No applicant who will be listed as an owner on title for the property has been working or living within the City Limits of the City of Santa Clara for at least the past 6 months at the time of application.

YesNo

Section III - Units of Interest and Pre-qualification

There are nine (9) new Below Market Purchase opportunities that are available. Please note that there are minimum and maximum occupancy requirements for each unit and your combined household income may not exceed the Area Median Income (AMI) noted below for each unit.

Below, please indicate if you are interested in two-bedroom units, three-bedroom units or both. Please view more detailed information about these homes HERE and ensure your household meets the income and size requirements.

Please Select Which Bedroom Count(s) You are Interested In:

Two-Bedrooms Three-Bedrooms

Pre-Qualification

Please upload your mortgage loan pre-qualification here. Please make sure your pre-qualification letter has a purchase price of the home(s) you are interested in. If you are interested in multiple homes, please make sure the purchase price on your pre-qualification letter is for the highest purchase price of the home(s) you are interested in. For example, if you're interested in the 90% AMI 2-bedroom townhouse and the 100% AMI 2-bedroom townhouse please make sure your pre-qualification letter has a purchase price of $482,000, as it is the higher of the two purchase prices.

What is the purchase price listed on your pre-qualification letter?

Please enter a number without dollar signs, decimals or commas

Is your pre-qualification letter dated within the past 6 months?

YesNo

To purchase one of these homes, you must provide a mortgage pre-qualification letter supporting the purchase price of the unit you are applying for. The minimum purchase price for a unit is $417,000.

We will only accept pre-qualification letters that are dated within the previous six months.

Section IV. Final Details

City of Santa Clara BMP Program

How did you hear about us?

Which faith-based organization?

Which homebuyer counseling agency?

Which lender?

Name of your employer

Which social media site?

Which elected official?

Which community organization?

If "Other", please provide additional information:

As part of my Pre-Application, I certify that the statements included herein are true and correct to the best of my knowledge. I also acknowledge that the information submitted in my Pre-Application will be shared with City of Santa Clara.