The first step in applying for the American Dream Downpayment Initiative (ADDI) offered to first-time homebuyers by the San Francisco Mayor’s Office of Housing (MOH) is to complete a first-time homebuyer education course through one of MOH’s five approved housing counseling agencies. The five agencies offering the first-time homebuyer education course can. Once the course has been completed, the borrower must work through a participating BMR lender to obtain an ADDI loan. The current list of participating BMR lenders can be found here.


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