CLTRE Keeping
We advance housing equity at the individual level through our three homeownership tracks: the 8-week homebuying program, personalized coaching, and community workshops. We also build financial confidence and generational wealth through strategic partnerships and culturally grounded support.
CLTRE Keeper
Shifting systems. Building wealth. One homeowner at a time.
CLTRE Keeper is a community-rooted homeownership initiative that bridges the gap between renters and first-time homebuyers in Sacramento. We designed this program to meet people where they are and walk with them through every step of the homebuying journey—from dreaming to closing.
Our approach is grounded in financial empowerment, long-term stability, and neighborhood transformation. With personalized support, deep community partnerships, and culturally responsive education, CLTRE Keeper is opening doors—literally and figuratively.
Program Tracks
Track 1: 8-Week Homebuying Program
A cohort-based experience offering guided education, peer support, and expert instruction on credit, lending, real estate, and closing processes. Designed for first-time homebuyers ready to move toward ownership.
Track 2: Personalized Coaching
One-on-one support with certified housing counselors and financial coaches to build credit, reduce debt, and create custom action plans that move participants closer to homeownership on their own timeline.
Track 3: Workshops
Free community workshops open to the public—covering everything from down payment assistance to budgeting, estate planning, and understanding the market.
🗓 Open Enrollment – APPLICATIONS ARE NOW CLOSED
Program Partners:
Read More About CLTRE Keeper
Buying a Home, Building a Business: A First Time Home Buyer’s Journey Through CLTRE
The email cursor blinked against the dark of her screen, a small pulse of light in the quiet. It was past 10:30, and the apartment around her was still. Jamara Hicks sat at her kitchen table, staring at the 60-day notice on her phone — the one telling her she had to...
From Stage 4 to a Front Door: Tanya Scott’s Journey to Hope and First-Time Homeownership
With the support of CLTRE, the City of Sacramento, and the U.S. Bank Foundation, one mother’s fight to survive became a story about building a future. “I was told to get my things in order. Stage 4 Hodgkin’s Lymphoma. Six months to live.” That was October 31, 2005....
Moving Forward on Your Homeownership Journey: Tools from the CLTRE Keeper Focus Session
Today, you showed up for yourself—and we’re proud of you. The CLTRE Keeper: Next Step Session was packed with real talk, real tools, and a room full of people ready to move forward. Whether you’re still figuring out your next steps or feeling more confident than ever,...
Join Us in Making Homeownership Possible: A Special Invitation for Purpose-Driven Realtors
At CLTRE, we believe that everyone deserves a place to call home—and we’re turning that belief into action through the CLTRE Keeper Homeownership Program. This 8-week program prepares Sacramento residents—many from historically excluded communities—to become...
CLTRE Keeper Open Enrollment Open Until May 6, 2025
Homeownership has long been considered the cornerstone of the American Dream. Yet, for many Americans—especially first-time buyers—purchasing a home has become increasingly out of reach. With rising housing costs, stagnant wages, and challenges with lending,...
Success Story: Lai Jo Teurn’s Journey to Homeownership with CLTRE
At CLTRE, we are committed to helping families achieve the dream of homeownership. Today, we are thrilled to share the inspiring story of Lai Jo Teurn and his family's journey to owning their first home, thanks to our first-time homebuyer program and the unwavering...