Applications for fi nancing from the HTF typically go through a four-step process that begins with an initial
inquiry, which may be made by telephone, email or in person. If the proposed project meets basic eligibility and targeting criteria and suffi cient funds are available or will be available, the HTF extends an invitation for a complete application. The next step in the process is for staff to review and underwrite the application package.  This is followed by a review and consideration of the request by our loan committee, which is called the Commission. The final step in the process is consideration by the HTF’s Board of Directors. This process can take as little as one month or may take many months to complete.

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If you're interested in borrowing or learning more about our process, please see the documents here.