OUR HELP YOUR HOMEÂ
Exciting News!
We’re thrilled to announce our new partnership with Los Alamos County to provide affordable housing opportunities. From homebuyer education to mortgage assistance,
The Santa Fe Housing Trust is here to make homeownership a reality for more residents.
Download your application for Los Alamos here.
Come see us at our new offices on the Southside of Santa Fe!
6005 Jaguar Drive, Ste 101Santa Fe, New Mexico 87507
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The Santa Fe Community Housing Trust (SFCHT) is a community development organization that helps low-income residents of the Santa Fe area gain access to capital, economic literacy and affordable housing so that they can improve the quality of their lives and become more economically self-sufficient;
HOW IT WORKS
STEP 1) DOWNLOAD YOUR PAPERWORK Completed Homebuyer Application, Affidavit Form, Credit Authorization Form (All Located Below), Credit Check Fee $33.50 (Per Borrower) $67.00 (Two Borrowers) Cash or Check, 3 Most Recent Paystubs, 2 or 3 years of Tax Returns (1040's & W-2's), 3 Months of Bank Statements.
STEP 2) SCHEDULE AN APPOINTMENT
Once we receive your paperwork, our team will contact you to arrange your appointment.
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STEP 3) PERSONALIZED CONSULTATION
Begin your journey to homeownership with a confidential meeting with a Housing Trust counselor. In this session, we focus on understanding your unique home aspirations. Our experts offer tailored advice on credit and finances, evaluating your purchasing capabilities and eligibility for financial aid, as well as access to discounted properties. You'll leave this meeting with a clear plan, outlined in three initial steps toward owning your dream home.
STEP 4) ATTEND HOMEBUYER TRAINING CLASS,
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​STEP 5) ONGOING SUPPORT
From your first meeting onwards, your dedicated counselor will guide you through every stage of the process. Whether it’s understanding paperwork, navigating financial complexities, or celebrating the moment you close on your new home, we're here to support you every step of the way.
​We're ready to collaborate with your realtor or lender to streamline your path to homeownership. Our goal is to ensure that every aspect of your home-buying experience is as seamless and positive as possible.
OUR SERVICES
Mortgage Reduction Assistance
One of the biggest challenges faced by potential homeowners is the ability to save up enough money for a down payment. With mortgage reduction assistance, the amount needed for a down payment will be less. We work with clients to determine whether they can qualify for mortgage reduction assistance via the Community Development Block Grant, the Affordable Housing Trust Fund, Community Development Financial Institution Funds, Housing Opportunities for persons with Aids/HIV as well as through our own loans, generally distributed at a level of up to $50,000. Click here to explore our down payment assistance funding sources and discover how they can help you achieve your dream of homeownership.
Our policy prioritizes veterans, first responders, special needs households, larger families, those affected by domestic abuse, and lower-income applicants.
HUD Certified Counseling
Embarking on buying your first home can raise many questions. Our counseling services are designed to address every concern along your journey. We provide comprehensive support including credit counseling, mortgage affordability assessments, lender finding assistance, down payment aid qualification, and help in locating an affordable home.
Recognizing that every family's needs are unique, we create personalized home-buying strategies. Our one-on-one counseling offers thorough session work, leading to income certification, budget planning, or an action plan for making home purchasing feasible. It's a dedicated process, and our team is committed to guiding each client towards successful homeownership.
Homebuyer Training Classes
Our monthly, award-winning homebuying classes are designed to demystify the process. These free sessions, led by certified instructors and local real estate experts, guide you step-by-step through the home-buying journey.
The classes make homeownership accessible, even for those who might not qualify conventionally, by providing insights into special mortgage options and downpayment assistance. Attendees receive a certificate upon completion.
Our training is tailored for everyone, including full-time workers, single parents, and those with nontraditional schedules. Join us and gain invaluable knowledge for you and your family's future.
Reverse Mortgage Counseling
The Santa Fe Community Housing Trust provides HUD-approved Home Equity Conversion Mortgage counseling. If you are 62 years of age, a homeowner, and possess substantial equity in your home, this Federal Housing Administration (FHA) reverse mortgage product may be a viable alternative to consider.
This mortgage product can help you eliminate your mortgage payment, provide you with a monthly income and/or line of credit, or provide funds for other financial goals. The program provides multiple loan options, and prospective borrowers may work with the counselor to obtain the information they need to make the best decision for themselves.
"Awesome group of people to work with. We were given helpful information and were able to call (and still do call and email occasionally) with questions and they are always happy to help.
We worked with Ron and can't say enough about him!"
MEET OUR STAFF:
Your Homebuying Partners
We believe that the journey to homeownership should be as welcoming as the home you’re looking to buy. Our team is made up of experienced professionals who are not just experts in their fields but also passionate about making a
difference in the community.
Meet the team!
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Understanding Home Buying: New Educational Videos Available!
We are excited to announce the release of new educational videos designed to help you navigate the home buying process with ease. Buying a new home can be overwhelming, but our goal is to make it as clear and straightforward as possible.
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MEET OUR BOARD!
Guiding your Homebuying journey
Our mission is guided by our distinguished Board of Directors. These dedicated individuals play a crucial role in steering our organization toward its goals, ensuring that we remain focused on serving the community and providing the best possible support to our clients.
Meet our board
ARROYO OESTE
Tucked amidst the picturesque backdrop of Santa Fe and in close proximity to Swan Park, Arroyo Oeste emerges as a beacon of hope, quality, and affordability. In a celebrated partnership with Arete Homes of Santa Fe, we are elated to introduce this housing development.
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Phase I is sold out! Phase II will launch soon.​
Santa Fe Housing Trust's Initiative for HIV/AIDS Community
In the heart of our mission to foster inclusive housing opportunities, the Santa Fe Housing Trust is proud to announce an empowering initiative designed specifically for individuals living with HIV/AIDS. Thanks to the generous support provided by the HOPWA (Housing Opportunities for Persons With AIDS) grant, we are now able to offer a helping hand to first-time homebuyers within this resilient community.​​ Eligibility Criteria: Your income must fall below 80% of
the median income, aligning with the program's commitment to assist those who need it most.
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For more information and to discuss your eligibility, please contact
Yvonne Madrid at 505-989-3960.
Together, we can explore how the Santa Fe Housing Trust, with the support of the HOPWA grant,
can assist you in achieving your dream of homeownership.
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It is our honor at Santa Fe Community Housing Trust to help
homebuyers achieve their dreams of owning a home
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At Santa Fe Housing Trust, we believe that a home is more than just a roof over your head—it's a gateway to a thriving life. That's why we are committed to not only providing affordable housing but also to connecting our residents with vital resources.
Click here (English) here (Spanish) for our list of community resources.
AFFORDABLE HOUSING
Over the last twenty years, the Santa Fe Community Housing Trust has developed more than 700 homes in 24 neighborhoods throughout the city with an emphasis on quality design, construction and resource efficiency. We use subsidies to reduce costs without compromising on quality.
Accommodation of Disabilities Notice
The Santa Fe Community Housing Trust is committed to ensuring equal access and participation for all individuals, including those with disabilities. In compliance with the Americans with Disabilities Act (ADA) and Section 504 of the Rehabilitation Act of 1973, we provide reasonable accommodations to qualified individuals with disabilities.​
Requesting Accommodations
If you require an accommodation to access any part of our website or services, please let us know by:
Phone: 505.989.3960, Email: info@housingtrustonline.org. Mail: 6005 Jaguar Drive, STE 101, Santa Fe, NM 87504
Mon-Thursday 8am-5pm
Friday 8am-4pm
Phone: 505-989-3960
info@housingtrustonline.org
Santa Fe, New Mexico 87507
