Homeownership Center

The Homeownership Center (HOC) works to improve neighborhood conditions in the Fruitvale/San Antonio area by expanding first time homeownership opportunities for residents of Oakland and Alameda County. The Unity Council Homeownership Center provides the prospective first time homebuyer with comprehensive bilingual homebuying workshops, financial fitness classes and housing counseling. This homebuyer education will train participants to improve their budget and credit profiles, shop for a loan, get a mortgage loan and maintain their home and finances after purchase. The prospective homebuyer will be introduced to private and public affordable mortgage lenders, Federal/State/Municipal mortgage assistance programs, real estate brokers, title companies and other homebuyer providers. The Unity Council Homeownership Center provides the tools towards mortgage readiness and a successful home purchase that is within the financial resources of the homebuyer. For more information, please contact us at (510) 535-6943, or email us at homeownership@unitycouncil.org

As of July 29, 2014, we are no longer providing assistance in Foreclosure Prevention.  For help in this area, please contact either:

Housing and Economic Rights Advocates (HERA) at 510-271-8443, or,

Operation HOPE  Mortgage Crisis Hotline at 888-388-4673.

We are pleased to announce that the down-payment assistance program, CityLIFT, made possible by Wells Fargo and NeighborWorks® America, has come to a successful close!  A total of $5 million dollars was invested in the Bay Area.  250 residents each received $20,000 to assist with down payment and closing costs, effectively reducing monthly payments and making homeownership more affordable!

You are allowed to refinance on your main loan and have us re-subordinate as long as certain requirements are met.  Please read all the details in the SUBORDINATION PROCEDURE file and forward it to your loan representative.

Please reply to: aereynoso@unitycouncil.org if you have any further questions or when you’re ready to submit your documents.