The Housing Trust is leading the effort to create a strong affordable housing market in the greater Bay Area as one of the region’s highest-volume nonprofit housing lenders. Serving the homeless to renters to first-time homebuyers, we assist a wide range of residents with programs across the entire spectrum of housing issues. Our financial expertise and extensive private and public sector partnerships ensure we make the most out of every dollar so local residents can secure stable and affordable housing that works for them and their families. We are a community development financial institution (CDFI) 100% focused on providing financing options that help local residents into affordable housing. We in communities across the wide 13-county greater Bay Area region, including Silicon Valley, San Francisco, the Peninsula, East Bay, North Bay and Monterey Bay. We became the first nonprofit housing lender with a Standard and Poor’s credit rating. Our AA- credit rating is a confirmation of our financial strength and our ability to make smart investments that maximize impact.