The Financial Empowerment Center (FEC) provides renters, aspiring homebuyers and existing homeowners with the skills, knowledge and information they need to obtain, stabilize and maintain affordable housing, whether it’s a rental or home purchase. Clients learn how to improve their financial health and net wealth by decreasing consumer debt and increasing their savings. In essence, we create default-resistant homeowners. Our motto is “Knowledge is Power. Get Some. Then Use it!” or “Saber es Poder. Aplícalo”.

The FEC’s mission is to raise the consciousness and financial literacy of under-served residents in order to assist them in achieving their financial and housing goals and find “a way outta no way.” We provide accurate, no-nonsense, “no-holds barred” education, counseling and coaching that empowers the individual to make sound, well-informed, lifelong financial choices. We also provide access to affordable and safe financial products and loan programs. The Financial Empowerment Center (FEC) operates as a HUD-approved Local Housing Counseling Agency (LHCA).

At San Francisco Housing Development Corporation, we are mission driven

People who choose to work here do so first and foremost because they believe in the mission. Over its 30 year history, SFHDC has dedicated itself to supporting the needs of residents and businesses in San Francisco, particularly in the Southeast neighborhoods and Western Addition.

Are you ready to talk?

Click the button below to connect with our FEC team. We will get back to you within three business days. Thank you, and know that you’re not alone! SFHDC is proud to support clients like you.

eHome America

eHome America Online

America’s Premier Online Homebuyer Education

Work at your own pace and learn how to:

  • Determine if homeownership is right for you
  • Shop for a home
  • Maintain your home



The first step in your path to homeownership is the HUD-Approved First-Time Homebuyers workshop

Your first home is one of the most important investments you will make. Learn everything you need to know about buying and owning your own home. Here’s what you’ll learn:

  • Pro’s and Con’s of Home Ownership
  • Basic Financial Planning & Money Management for Default Resistant Homeowners
  • How to do an Affordability Assessment Before You Apply for a Loan
  • The 5C’s of Lending: Credit, Capacity, Capital, Collateral & Conditions
  • How to research Down Payment Assistance and First Time Homebuyer Programs
  • Mortgages 101: Loan Disclosures, the Promissory Note and the Deed of Trust
  • Shopping For a Home and Working with Real Estate Agents
  • The Escrow/Closing Process
  • Taxes & Insurance
  • Maintaining Your Home: Maintenance & Repairs
  • Keeping Your Home: When Money Gets Tight; Avoiding Scams


Long-term Homeowners living in SF District 10 for at least 10-years are eligible for FREE financial assistance and FREE estate planning.

Up to $30,000 in FREE Financial Assistance FREE Estate Planning for Longtime Homeowners in SF District 10.

Must complete Financial Education and Counseling with SFHDC to receive funding. Fill the intake form and an SFHDC counselor will contact you shortly.



Navigating the Rental Market in and around San Francisco

Finding affordable housing in the San Francisco Bay Area is no easy task. And we know not everyone can make it to our workshops during regular working hours! That’s why we are offering the Rental Readiness Night Clinic, every Third Thursday of the month.

We can help you navigate the challenges of finding AND getting a rental in San Francisco. You’ll learn how to:

  • Navigate the SF rental market
  • Apply for SF BMR rental units
  • Learn about the rights and responsibilities of tenants and landlords
  • Become familiar with SF’s Fair Chance Ordinance protecting the formerly incarcerated
  • Become Familiar with SF’s tenant protection laws and eviction process, and
  • Learn how to create a winning & competitive renter profile


The rental assistance application process can be overwhelming at times.  Let us help you navigate through this process. SFHDC provides 1:1 support with the affordable rental application.



Improve your relationship with Your Money

If you’d like to improve your relationship with money, contact us to set up an appointment with one of our Financial Empowerment Counselors. Your Counselor will walk you through our 6-step process for creating a more loving, fulfilling relationship with your financial partner in life – Your Money!

You will learn how to follow the 6 steps to a better relationship with your money:

  1. Assess your personal & financial situation
  2. Set personal & financial goals
  3. Create a “living” budget
  4. Mind your money – tracking expenses & savings patterns
  5. Compare Truth vs Fiction; Reality time: ”The Numbers Don’t Lie”
  6. Review, revise, & re-sharpen

Let your counselor know you’d like to go over our 6-step financial wellness tips to help you identify how to love your money better, so it stays with you and helps you build a better tomorrow



Don’t let your credit score keep you from achieving your goals

This online workshop will teach you EVERYTHING you need to know about credit reporting, credit scoring and how YOUR actions impact your credit history. This class is a must for anyone applying for credit, housing, or job positions that require credit and background checks. Your credit rating will either help or hurt you, don’t wait to find out the hard way! Learn the ins and outs of credit scoring and best practices for building excellent credit and restoring impaired credit. 


In this workshop, you’ll learn how to Build, & Maintain Excellent BUSINESS Credit! Topics covered include:


  •  Business Credit Defined
  •  Benefits of Business Credit
  •  Business Credit vs Personal Credit
  •  Business Credit Scoring Model
  •  Steps to Building Business Credit
  •  Business “Bona Fides”
  •  Business Credit Reports
  •  Vendor Accounts
  •  Revolving Accounts
  •  More Ways to Build
  •  Business Credit & Funding Suite Program