At Housing Trust, we use transformative housing finance and public and private partnerships to create more equitable and affordable communities. As a certified CDFI (Community Development Financial Institution), we lead the greater Bay Area in delivering innovative financial solutions and creating a strong affordable housing market.Housing Trust Silicon Valley was created in 2000 by affordable housing activists, local businesses, public and private sector leaders, and foundations. We are now one of the largest housing trusts in the nation, and the first nonprofit CDFI to receive a Standard & Poor's rating, AA-.Through our innovative programs and deep partnerships, we bring together people and resources to create affordable and sustainable housing opportunities for all our neighbors, from those experiencing homelessness, to renters, to first-time homebuyers. When everyone in the community has safe, stable, and affordable housing, we all benefit.Housing Trust is making loans in the 14 counties where we live and work in the greater Bay Area, including Sacramento, that have one thing in common – a critical need for affordable housing and more capital to support its development.