Courtesy of The Towbes Foundation



HTF operates two core programs:

Revolving Loan Fund

Our long-standing Revolving Loan Fund is operated in partnership with community lenders to offer below-market interest rate loans and technical assistance to eligible affordable housing sponsors of rental and home ownership projects that expand affordable housing opportunities for Santa Barbara County residents.

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Workforce Home Buyer Program

The Workforce Home Buyer Program provides deferred down payment loans to help low-to-moderate income working families purchase an entry-level,  market rate home in the Santa Barbara County community where they work, enabling a stable residence that strengthens the family and the local neighborhood.

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