If you are a home buyer who purchased a home or borrowed funds using one of our programs: 1) Welcome Home Program ($40k loan assistance), 2) Welcome to the Neighborhood Program ($40K loan assistance), 3) Below Market Price Home Ownership Program, or 4) Neighborhood Home Improvement Program, and you wish to refinance your home loan, you must contact a lender from the City's Approved Lender List and fill out the Form of Owner Request for City Subordination. The lender must send the refinance/subordination request along with the supporting documentation through a title company and address it to :

City of Fremont
Housing Division of the Community Development Department
39550 Liberty St.
Fremont, CA 94538
Attn: Lynn Chen, Housing Coordinator

Guideline Document for Approved Lenders

• Subordination Guidelines for First Time Homebuyer, Below Market Priced Homes, and Neighborhood Home Improvement Program 

For questions regarding refinancing/subordination, please contact the Housing Division at 510-494-4500 or email us.