introduction videos & Quiz

These 8 short videos will help you understand how affordable housing works, key terminology, and the affordable home buying process. We encourage you to “Take the Quiz” to confirm that you understand the concepts and the process.

MyHouseKeys

program orientation

MyHouseKeys is our web-based software platform created to help you manage your program relationships, find housing opportunities, and navigate the application process. You start by registering your household profile.

profile Registration Process

When you click on the button to “Register Your Profile, you’ll begin with a quick sign up form that asks: Name, Number of Household Members, Total Household Income, and Zip Code. After you enter and confirm your email address, you will start a Registration Wizard that will have you complete a series of forms. You may want to set aside an hour to complete all of the online forms. These forms include:

1. Admin Profile - this is the basic information and address for the primary applicant.

2. Member Profiles - all other household members who will be occupying the housing unit

3. Income Profile - you’ll identify the type of income that you earn, information about your employer, and your employment details

4. Household Preference - this form details any special criteria that your household may meet that would allow you to receive preferential treatment among other applicants.

5. Household Demographics - this is an optional form that allows us to track our Fair Housing statistics

At the end of the process, you’ll get to a page called the Household Overview. This page summarizes all of the information you entered and gives you a chance to review before finalizing.

Application Exhibits

Application Exhibits are special documents that help provide further details about items that you provided while completing the Program Application and gathering items on the Application Checklist. Click on the links below to open the Exhibit documents.

program documents signed by buyers

Note: These documents will change and be updated from time to time.

Resale Restriction Agreement

The City of Morgan Hill has a resale restriction agreement with terms (for many years) that restricts the price at which a home can be resold and carries other restrictions, including refinancing and inheritance. Please make sure to review the document that you signed when you purchased your home through the program.

Excess Sales Proceeds Note and Deed of Trust

The difference between the fair market value of the home and the maximum restricted resale price is known as “Excess Sales Proceeds”. This amount of money belongs to the program and the City records a note and deed of trust in order to protect those proceeds. Click the links below to open the examples. Some homeowners may or may not have signed these depending on the year you purchased:

Excess Sales Proceeds Note

Deed of Trust

Program Guides

These program guides were created in the Fall of 2018 to provide Applicants and Participants with the rules and processes involved with the housing programs.

Participation Guide

Once you are a homeowner, you sign a 45-year Restriction Agreement that details what you are allowed to do with the home. While the Restriction Agreement on this site is the latest version, there have been many different versions used over the past 40 years. The Participation Guide walks through some of the rules on refinancing, re-selling the home, and transfers for inheritance. Please keep in mind that your signed Restriction Agreement is the governing document that ultimately determines what you’re allowed to do.

Homebuyers: Application Guide

team members

Kamala Loving, Program Operations Coordinator

Kamala is our lead contact to get processes started for applicants and participants.  She will help us log your ticket to officially enter it into our queue.  Please keep in mind that we must research the file and determine what your agreement says about what we’re allowed to do with regard to your refinance or resale transaction.  Your Restriction Agreement and the Council-Approved Program Guidelines determine how each transaction is handled. For refinance transactions, we will connect with one of our approved lenders so they can help put together a refinance package for review and approval.

Katarina Marusic, Program Transaction Coordinator

In the case of a sale transaction, Katarina coordinates with our real estate team to make sure that we are preparing you to enter the resale process. There are legal timelines that are outlined in your recorded agreement. If you can’t locate your agreement, please let us know immediately as the process cannot begin until this agreement is reviewed.

Christina Enriquez, Asset Manager

Christina is our Asset Manager who completes the review of the restriction agreement, and works with the escrow company to ensure that we are properly prepared for a refinance or resale transaction.

danielle de la torre, customer service Manager

For issues with customer service or any escalation items, please make sure to note that in your email to customerservice@housekeys.org - this email will go to the group, but Danielle will be reaching out to see how we can assist you with your transaction.