Housing

The Housing Division works in partnership with the City of Campbell Successor Housing Agency for the purpose of creating and/or maintaining rental and home ownership units for very low, low, and moderate income households. The agency works closely with nonprofit and for-profit housing providers in the development of long term affordable units.

Foreclosure Counseling Available
In these difficult economic times, many homeowners are facing great difficulty making their mortgage payments; some are facing the possibility of foreclosure. The City recommends that homeowners, experiencing difficulty in making their current and future mortgage payments, contact Project Sentinel, who is certified with the U.S. Department of Housing and Urban Development (HUD), to provide free mortgage delinquency counseling. You may call Project Sentinel at 408-720-9888, ext. 3.

Homeowners should beware of foreclosure rescue scams. There are companies advertising help to homeowners facing foreclosure. However, some of these companies request substantial, non-refundable fees in advance and may not ultimately provide you with any results. Remember, with HUD-certified agencies, the service is free and the staff trained and approved by the federal government.

For more information please read the fact sheet or contact Project Sentinel to obtain an application for mortgage default counseling.

Low Interest Home Repair Loans
Starting July 2012, the city will no longer administer its own home repair loan program. It will be administered by the Office of Affordable Housing Santa Clara County. For Campbell residents interested in making repairs to their homes with deferred loans or low interest amortized loans, contact Tracy Cunningham at 408-299-5765.

First Time Home Buyer Program
Recent California state legislation passed to balance the state budget eliminated Redevelopment Agencies. The City of Campbell no longer has housing funds for a first time home buyer loan program.

Other potential first time home buyer loan programs include the following:
Housing Trust of Santa Clara County
The Housing Trust of Santa Clara County is a nonprofit community-based organization, supported entirely by the voluntary contributions of our public and private sector donors. The trust began distributing funds in 2001, creating affordable housing opportunities through three main programs:
  • $6,500 Closing Costs
  • $15,000 Down Payment Assistance Program
  • $30,000 Mortgage Assistance Program
To obtain more information or see if you qualify, you may call the trust at 408-436-3450 or send an email.

Below Market Rate Housing Program
In December 2006, the Campbell City Council approved a citywide inclusionary housing ordinance which mandates that 15% of developments with 10 or more residential units be affordable to low and moderate income households. If interested, you may contact the city’s Planning Department, at 866-2140, for an update on any new residential developments that may include BMR units.

For under mortgage credit certificates, please call 408-299-5765.

Mortgage Credit Certificates
The Mortgage Credit Certificate Program (MCC) provides financial assistance in the form of a tax credit to first-time home buyers for the purchase of single-family homes, town homes and condominiums. A first-time home buyer is defined as a person who has not owned a principal residence within the last three years in Santa Clara County.

Contact your lender and let them know you are interested in obtaining a MCC. If you need any additional information, call 408-299-5765.

Mobile Home Owners Needing to Register Or Sell Homes
The State Department of Housing closed their office in San Jose. The nearest office for mobile home owners seeking annual registration or sale of their mobile home is in Sacramento or San Luis Obispo. Rather than drive all that distance, mobile home owners can access paperwork for registration or sale of their mobile home on the computer. You may call the State Department of Housing in Sacramento at 1-800-952-8356 or 1-916-255-2532.

Campbell Rent Mediation Program / Rental Increase Dispute Resolution Ordinance
Learn more about this program and ordinance and find answers to your questions.