Loan Refinancing and Subordination Requests

If you desire to subordinate or refinance your mortgage due to financial hardship, emergency home improvement, or property repair needs; Please review our Loan Subordination Checklist guidelines carefully. Should you choose to proceed; Download the forms and your lender or title company should assist you in completing and submitting the application with all required supporting documents.

Mailing Address or Visit in Person (By Appointment Only):

Housing and Community Development
Attn: Loan Servicing
250 Frank H. Ogawa Plaza, Suite 5313
Oakland, CA 94612
Fax: 510-238-3794
Email: loanservicing@oaklandca.gov

Please Note: Approval is not guaranteed. All subordination requests are subject to the underwriting of the application and supporting documents. If an application is approved, the City of Oakland will agree that its loan will be subordinate to a separate loan that shall be specified in the application package.