The Housing Trust Fund of Santa Barbara County (HTF) is a non-profit financing initiative whose mission is to expand affordable housing opportunities for low-to-middle income residents and workers of Santa Barbara County, California. Our geographical service area includes the entire County of Santa Barbara, California, including the urban cities and unincorporated rural areas. HTF helps maintain the socio-economic fabric of Santa Barbara County by addressing the fundamental building block of healthy communities – housing that is affordable to local workers and residents.


HTF was created by countywide community leaders to address our region’s critical affordable housing needs by building innovative partnerships between the private, public and nonprofit sectors.  We raise capital, design innovative housing solutions and provide technical assistance and low-cost loans to community sponsors of affordable housing. We enhance the work of nonprofit, public and private affordable housing sponsors in our diverse communities. HTF has been certified by the U.S. Treasury CDFI Fund as a Community Development Financial Institution (CDFI). HTF is also a HUD approved Non-Profit Secondary Loan Provider.


Since we began our Revolving Loan Fund operations in 2005, we have raised $7.35 million in private and public lending capital to support affordable housing production and a new Workforce Homebuyer Program.  We have committed $3.8 million in direct financing to create 191 units of new permanently affordable housing for our most vulnerable populations. We funded 28 first-time homebuyer loans for low-income working families in North Santa Barbara County, closed 2 loans in Carpinteria, and expect to make additional loans in the City of Carpinteria during the next twelve months. We have provided 31 community groups with technical assistance, which led to eight project loan applications. Additionally, we have raised $1.3 million in private and public donations to support our operations.

Where We Work

HTF’s geographical service area encompasses the entire County of Santa Barbara, California, including the urban cities of Carpinteria, Santa Barbara, Goleta, Buellton, Solvang, Lompoc, Santa Maria and Guadalupe and the unincorporated rural areas.

HTF finances affordable rental and homeownership housing for low-to-moderate income working families, single parents, farm workers, senior citizens, homeless persons, and other persons with special needs throughout Santa Barbara’s diverse communities.

Community Need

In 2021 Santa Barbara County is the second least affordable small metropolitan housing market in the nation, according to the National Association of Builders. Our high housing costs have created a severe shortage of affordable housing and a huge ‘affordability gap’ between the cost of housing and what people can afford.



Jennifer McGovern
President and CEO
(805) 685-1949


Yvette Lounsbury
Homebuyer Loan Administrator
(805) 845-3585

© 2021 Housing Trust Fund of Santa Barbara County


Housing Trust Fund
of Santa Barbara County
P. O. Box 60909
Santa Barbara, CA 93160-0909

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