SJCLT Programs--Homes & More

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Sierra Gardens Low-Income Rental 


The Sierra Gardens apartment complex provides 76 quality 1 and 2 bedroom apartment homes, 8 of which are American's with Disability Act units, for low-income Lake Tahoe residents and employees. A recently completed $15.5 million renovation includes a new community center with computer stations and a meeting place for residents.


SJCLT ownership means that the complex will remain permanently affordable.

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Low-Moderate Income Ownership


Home ownership is still one of the best ways for low and moderate-income households to acummulate wealth. In addition to providing low-income rental homes, SJCLT provides ownership opportunities for low and moderate-income Lake Tahoe residents and employees. Homeownership through SJCLT provides access to a quality affordable home while fixing housing costs and providing the opportunity to accumulate wealth. To learn more about SJCLT homeownership click HERE.

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NEW! TAHOE (Tahoe Affordable Home Ownership Enabling) Program

The TAHOE Program seeks to preserve exisitng Tahoe Basin housing stock for permanently affordable primary residences for Tahoe Basin employees and full-time residents. The program includes 1) assistance to households seeking a home, 2) direct SJCLT purchase of a home and 3) assistance to existing homeowners at risk of losing their home.
For more information press HERE.

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Supportive Educational Programs


Successful home ownership requires knowledge, skills and support. SJCLT has a number of programs providing its members and homeowners with the skills and knowledge necessary for successful home ownership including Homebuyer Education, Financial Literacy, Identity Theft & Fraud Protection and Emergency Preparedness. 

Click HERE to see if any of these programs are upcoming.

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Motel to Housing


Unfortunately, too many school age families are living in motels, or other substandard living conditions, to get by. This is not an acceptable environment for a family and SJCLT has developed a program to help families with school age children* move from motels to apartments. Qualifying families can borrow, interest free, up to $1,800 towards security deposit and 1st month's rent to move out of motels into an apartment. For more information about this program click HERE.

*This provision may be waived during Covid crisis

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NEW! Members Emergency Fund


Unfortunately, too many Lake Tahoe residents don't have sufficient funds to cover basic emergencies like a car breakdown or a broken water heater and may otherwise be forced to turn to pay day lenders or forgo needed medicines, food or other necessities. SJCLT's Emergency Loan Program provides its members with an alternative--a small, no interest loan to cover unforeseen emergencies. Click HERE for more details about this program.