At UC Davis, our home loan programs are designed to help new recruits take an important step toward homeownership—a key factor in attracting and retaining exceptional faculty and senior leaders. Your role as a campus departmental representative is essential to making this program a success.

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.

UC Davis has been working together with the University of California Office of the President, or UCOP, to evaluate new approaches to make housing more affordable. These efforts led to the development of a Zero Interest Program Loan, or ZIP loan. These loans are primarily intended to be a recruitment tool to help our campus build a representative new generation of faculty and is expected to help recruit assistant professors as well as difficult to fill academic positions.

The Supplemental Home Loan Program, or SHLP, was established to provide below-market-rate secondary financing to assist eligible faculty members and members of senior management in the acquisition of a principal place of residence.

UC Davis SHLP loans may only be used in conjunction with the University’s Mortgage Origination Program (MOP) loans to reduce the cash down payment required to as low as five percent.