The City is pleased to make possible below-market rate (BMR) homeownership. Below market rate homes are specific dwellings where eligibility is based on income and household size. The program also assists current BMR homeowners in selling, refinancing or making capital improvements to their home. The program is designed to serve low and moderate-income households. Hello Housing, a non-profit organization, assists the City in administering the program. All application materials are available through Hello Housing, at 415-863-3036.