Vintage Lending

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United States
Roseville, CA
Vintage Lending

CA, OR & WA Premier Mortgage & Real Estate Brokerage
800-385-3657 | www.pmccanhelp.com
[email protected] | NMLS 287106 | CA BRE 01813481 Why us?

We have been a premier California, Oregon & Washington mortgage and real estate broker since 2007. Our broker platform provides direct access to a wide array of Real Estate sales, financing programs, 3rd party loan processing and related services. Our process is very simple, direct, fast and user friendly. Each of us at Vintage Lending has a personal story of how we got into this business and what

we have been able to accomplish over the past few years. Our commonality is based on having the same vision and together as a team our success is based on how many people we are able to help. We have built our business mostly on referrals. Our favorite part of each purchase transaction is the day our client receives their keys to their new home. In some cases, we are not able to help every applicant, but we have given them the necessary tools to begin working on what is needed to be able to reach the goal of homeownership in the near future. We care about every client and their families and it shows when they return their gratitude with referrals. NMLS 287106 | CA BRE 01813481

09/01/2026

The Housing Choice Voucher (HCV) Homeownership Program allows eligible low-income families currently using Section 8 rental assistance to apply their voucher toward purchasing a first home and covering monthly homeownership expenses. [1, 2]
How the Program Works

• Monthly Assistance: Instead of paying a landlord, the public housing authority (PHA) provides a monthly subsidy to help with approved ownership costs like mortgage principal, interest, taxes, insurance, and utilities.
• Cost Split: Typically, the household contributes at least 30% of their adjusted monthly income toward the housing expenses, while the voucher covers the remaining eligible balance.
• Time Limits: Assistance is generally capped at 15 years if the initial mortgage term is 20 years or longer, and 10 years for shorter mortgages (elderly and disabled families are exempt from this limit). [3, 6]

Basic Eligibility Requirements

• Current HCV Status: You must already participate in the standard Housing Choice Voucher program.
• First-Time Buyer: All participating adults must be first-time homebuyers, meaning they have not owned a home in the last three years.
• Employment & Income: Most workable adults must meet minimum income thresholds and steady employment requirements (such as working at least 30 hours a week for a year), though exemptions exist for elderly or disabled family members.
• Counseling: Applicants must complete a pre-assistance housing counseling program certified by HUD or approved by the local PHA. [2, 3, 7, 8]

Next Steps to Apply

• Check Availability: Program adoption is optional, so you must confirm whether your local public housing agency administers an HCV homeownership option.
• Contact Your PHA: Reach out to your caseworker or local housing authority to see if the program is open and to get details on local application rules. You can review general federal guidelines directly through the U.S. Department of Housing and Urban Development (HUD).
• Explore the official HUD Exchange overview for detailed administrative rules.
• Read summary guidelines provided by USAGov for prospective first-time homebuyers. [2]

AI responses may include mistakes.

[1] https://www.hud.gov/helping-americans/public-indian-housing-hcv-homeownership
[2] https://www.usa.gov/home-ownership-voucher
[3] https://www.hudexchange.info/trainings/courses/hcv-overview-video-series-hcv-homeownership/
[4] https://www.communityhomepartners.com/events/the-housing-choice-vouchers-home-ownership-program
[5] https://www.youtube.com/watch?v=s5XCfB77KG8
[6] https://cmhanet.com/hcv-homeownership-program
[7] https://www.hudexchange.info/programs/public-housing/hcv-homeownership/
[8] https://fresnohousing.org/residents/hcv-homeownership/

HCV Homeownership ProgramThe Housing Choice Voucher (HCV) homeownership program allows families that are assisted under the HCV program to use their voucher to buy a home and receive monthly assistance in meeting homeownership expenses. The program is limited to first-time homeowners who have receiv...

08/30/2026

Vacant Land Financing Made Simple
Have a borrower who needs financing for vacant land?

• Up to 65% LTV on purchases and rate/term refinances
• $100,000 to $1.2 million loan amounts
• Up to 20-year fully amortizing terms
• SSN and ITIN borrowers eligible
• Full Doc, P&L, and Ready Asset income options
• No prepayment penalty, EPO, or recapture
• No survey. No soil test. No utilities required.

Have a vacant land scenario that you are trying to place?

Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].