Getting started: Prospective applicants

Getting started: Prospective applicants

UC Davis is dedicated to helping employees secure housing by offering several home loan programs to faculty and senior management. To learn more about the different programs, including eligibility and loan details, see the home loan programs page. If you're interested in applying for a university home loan, follow the steps below to get loan pre-approval.

Applying for a loan pre-approval

In order to secure a housing loan, an applicant, in conjunction with a department representative, must secure an authorization before beginning the pre-approval process. Once an applicant receives a loan pre-approval, they can use it to make an offer on a home. Once you are able to certify that you are ready to purchase a home within the next 12 months you may initiate the pre-approval process by:

1. Email your department chair 

Email your department chair asking for a Mortgage Origination Program Loan (MOP), Supplemental Home Loan (SHLP) and/or Zero Interest Program (ZIP) loan nomination. Your chair will route a nomination and allocation request to the Dean and Vice Provost on your behalf.

2. Await campus authorization

Once you receive campus authorization, you will have 12 months from that date to find a home. At this time, our campus Home Loan Coordinator will reach out to guide you through the next steps. The timeline is something to keep your eye on, but you will have help and receive plenty of reminders.

3. Prepare documents and information

Your Home Loan Coordinator will request documents and information necessary for submitting your home loan application, including your: 

• Signed acceptance letter
• Final approved offer letter (TOL)
• Details about household income, expenses, debt, etc.

4. Submit documents and information to the Office of Loan Programs

Once your Home Loan Coordinator receives the items listed in step three, you will receive an email with a link to the Consumer Connect borrower portal where you will complete your loan application, upload required documents and sign disclosures.

5. Receive loan pre-approval

Approximately 15-20 business days later, you will receive an email from your UCOP Underwriter with a loan pre-approval that you can use to make an offer on a home. 

Throughout the entire process your campus Home Loan Coordinator and the UCOP Office of Loan Programs will be there to walk you through the process and help answer questions.