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FHLBank San Francisco helps deepen our toolbox to make things happen for our customers and the community
FHLBank San Francisco is a privately capitalized, member-owned, cooperative that offers reliable and competitively-priced liquidity to our member financial institutions. Members use the funding and resources provided by their membership to advance economic development and community resilience across our three-state region of Arizona, California, and Nevada.
Flexible funding options including advances and letters of credit, designed to meet liquidity needs, manage costs, and reduce risk.
Use our affordable housing and economic development grant programs to build stronger communities and support lower-income families, first-time homebuyers, and local economic initiatives.
Access our discounted Community Investment Program and Advances for Community Enterprise credit products to help finance projects that benefit low- to moderate-income communities. Ideal for affordable housing, homeownership, and revitalization efforts.
Our Impact
FHLBank San Francisco’s voluntary Middle-Income Downpayment Assistance matching grant program is helping to make the dream of owning a home a reality for middle-income families and individuals. Explore the heartwarming story of how a $50,000 program grant helped a Native American family buy a Nevada home.
Justina Yellowhair, First Time Homebuyer: I am from a small town on a Native American reservation. Many people that I grew up with, that I know, don't own homes off of the reservation, and it is such a huge accomplishment. where and how my husband and I grew up. To be here now and to be homeowners, we didn't think that owning a home was going to be possible for us. Me and my husband rented a home, but we stayed in our rental for... almost seven years and we didn't have any plans on moving until we were told we had to move. That ended up being a blessing in disguise. I first started the process of looking into buying a home. I talked to at least three different lenders and I... I just felt defeated. I called Greater Nevada, and for the first time, I felt hope. I felt like maybe this is possible.
Maria Alcala, Internal Mortgage Consultant - GNM: Justina and her family wanted to get a house so she doesn't have to worry about the rent constantly going up. She didn't have enough money coming into the household mortgage loan, and the grant was able to step in and say, "Hey, you know what? We'll help you." She knew that that grant was a one-time thing. She better take advantage.
Justina Yellowhair: After my first call, I was in tears. I didn't think that there was any hope for us. I didn't think that this was in our cards. We were wrong and because of Greater Nevada, we are now homeowners.
Maria Alcala: With the Down Payment Assistance Program, we help Justina, her family, her kids, you know the next who knows how many generations as well as 19 other families in the community.
Justina Yellowhair: How grateful me and my husband are for this. Grant Down Payment Assistance Program, making us feel hope, like this is possible, and without you guys, we would not be in this situation where we are, and we would not be homeowners.