The Tri-Valley Housing Opportunity Center… a 501(c)(3) charitable non-profit corporation.  We are a HUD approved housing counseling agency serving the Tri-Valley region that offers residents expert unbiased and personalized information to guide them through the complex process of home-seeking, home-buying, or saving the home they already own.   Our mission of ... Strengthening communities by providing education and services that build financial well-being and promote housing opportunities for individuals and families throughout the region... empowers the Center to provide services to a diverse community regardless of income and city of residence.    
Recent Announcements of Interest


Tri-Valley Housing Opportunity Center

Volunteer Income Tax Assistance (VITA) Program

Seeks Volunteers

Tri-Valley Housing Opportunity Center Volunteer Income Tax Assistance (VITA) Program, a volunteer-run tax preparation and assistance service, is seeking volunteers in the Tri-Valley area to help taxpayers who are seeking assistance preparing and filing their 2016 tax returns. In 2016, IRS-certified TVHOC VITA volunteers assisted over 300 families in preparing and filing their tax returns, returning more than $400,000 in tax refunds to the local community. We could not do this great work without our volunteers. As a TVHOC VITA Program volunteer you will:
  • Receive free income tax training
  • Become a certified volunteer income tax preparer
  • Learn new life-long skills
  • Build up your resume
But most of all, you will hear thank you several times from those you are able to help. Volunteers will receive training to complete the IRS-certified tax course. VITA volunteers will be doing taxes from late January through April 15th. For more information on volunteering with the TVHOC VITA Program visit; or contact Milly Seibel (925) 321-0777 or  

 FHA announces new "Back to Work" Program:

This program will allow purchasers with extenuating circumstances to purchase a home again, after only ONE year of foreclosure and short sale. See below for more details: To qualify for purposes of establishing Satisfactory Credit following an Economic Event, participants in this FHA initiative must: receive homeownership counseling or a combination of homeownership education and counseling provided that each participant receives, at a minimum, one hour of one-on-one counseling from HUD-approved housing counseling agencies, as defined at 24 C.F.R. §214.100. The counseling must address the cause of the economic event and the actions taken to overcome the economic event and reduce the likelihood of reoccurrence. The housing· education may be provided by HUD-approved housing counseling agencies, state housing finance agencies, approved intermediaries or their sub-grantees, or through an on-line course, and be completed a minimum of thirty (30) days but no more than six (6) months prior to submitting a loan application to a lender, as application is defined in Regulation X, implementing the Real Estate Settlement Procedures Act, 24 C.F.R. §3500.2(b). Housing counseling may be conducted in person, via telephone, via internet, or other methods approved by HUD, and mutually agreed upon by the borrower and housing counseling agency, as provided for in the regulations at 24 CFR §214.300 and in the Housing Counseling Handbook. TVHOC is a HUD approved housing counseling agency and can offer one on one housing counseling to those households that qualify for this program.

 TVHOC has received a $50,000 grant from funding secured by Attorney General Kamala Harris through the National Mortgage Settlement for California

The Attorney General awarded this grant to TVHOC for a pilot project designed to test the efficacy of using local realtors to deliver information about foreclosure recovery services to consumers who may need such assistance. The program aims to reach 10,000 East County homeowners experiencing some degree of mortgage distress. Legacy Real Estate, an ethnically diverse real estate brokerage in Livermore, has volunteered to be TVHOC's first outreach partner for this program. The Center is proud to be one of only 21 agencies selected by the Attorney General's Office to receive funding from the National Mortgage Settlement. This funding is intended to benefit many of the state’s neediest homeowners and families by providing or expanding access to free legal assistance and representation, foreclosure intervention aid, homeowner education, financial literacy clinics, and fraud prevention education - the core of TVHOC's mission. “When it comes to assisting homeowners in distress, we have a 97% success rate, so we are very excited to have additional resources contact homeowners who could benefit from our services. We truly appreciate Legacy's interest in volunteering to assist us with testing this new channel for outreach to homeowners." -Milly Seibel, Executive Director of Tri-Valley Housing Opportunity Center.

TVHOC Receives $20,000 Grant from Citi Community Development for Foreclosure Recovery Services

In January 2013, the TVHOC was the recipient of a $20,000 grant from our Citi Community Development. to fund the Foreclosure Recovery and Community stabilization (FRACS) program. Through Citi Community Development's funding of FRACS the TVHOC will be able to assist homeowners who are experiencing mortgage delinquency and default. The FRACS program is intended to offer homeowners foreclosure recovery options; such as seeking a loan modification or considering selling their home to avoid foreclosure. Through Citi Community Development's generous donation the TVHOC will be able to help homeowners make sound financial decisions and realize long term housing stability. With these funds, the TVHOC will be able to continue its mission of providing education and services that build financial well-being to families throughout the region. Thanks to our partners at Citi Community Development for supporting the Tri-Valley Housing Opportunity Center.

NEWS UPDATE...   Down Payment Assistance Increased to $15,000 for First-Time Homebuyers

The cities of Danville, Dublin, Livermore, Pleasanton and San Ramon along with the Tri-Valley Housing Opportunity Center in March 2013 IMPROVED the Tri-Valley Down Payment Assistance (TVDPA) Program  TO INCLUDE MODERATE INCOME households seeking to purchase a home in the Tri-Valley. Through the TVDPA Program, qualified first time homebuyers may be eligible for $15,000 down payment assistance loans.  As its highest priority, the program will assist families currently living or working in the Tri-Valley cities to purchase homes in Livermore, Dublin, Danville, Pleasanton, and San Ramon. (read more)

TVHOC Receives $10,000 Grant from Wells Fargo Foundation

At its November 2012 Board Meeting, the TVHOC was the recipient of a $10,000 grant from the Wells Fargo Foundation. These funds will be used to provide foreclosure recovery services to the Tri-Valley cities and surrounding areas.  According to, a web-based real estate sales/foreclosure tracking website, within the TVHOC's service area there are 2,612 homes in some state of foreclosure; with 445 families receiving a Notice of Default in September 2012. With these funds, the TVHOC will be able to continue its mission of providing education and services that build financial well-being to families throughout the region. Thanks to our partners at Wells Fargo Foundation for supporting the Tri-Valley Housing Opportunity Center.

TVHOC Receives $19,141 Grant from US Housing & Urban Development

                    TVHOC was awarded $19,141 in HUD grant funds for FY2013 for comprehensive housing counseling services (financial education, homebuyer education and mortgage default & delinquency).