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
Celebrating Success: Doug and Vanessa Marchbank Cupid Achieve Homeownership with CLTRE
We are thrilled to announce another milestone in CLTRE's first-time homebuyer program as Doug Cupid and Vanessa Marchbank Cupid have successfully become homeowners! Their journey to homeownership culminated in a joyous moment as they signed their closing documents and...
Celebrating the CLTRE Keeper First-Time Homebuyer Graduation
This past week, we gathered to honor an incredible milestone for our community—the CLTRE Keeper First-Time Homebuyer Graduation! This event marked the culmination of 8 weeks of dedication, growth, and perseverance for our participants, who worked tirelessly to make...
First Time Home Buyer California: Your Complete Guide to Homeownership
Buying your first home is both exciting and daunting, especially in a competitive real estate market like California. As a first time home buyer in California, navigating the various programs, loans, and resources available to you is key to securing a home that meets...
Top 5 Strategies for Economic Development: How CLTRE Is Making a Difference
At CLTRE, we believe in building communities where economic opportunity is available to everyone. Through our programs, we aim to drive economic development, ensuring that growth benefits all members of the community, regardless of background. Below are five powerful...
CLTRE Finds: Affordable Housing Solutions – Insights from the Supply Accelerator Playbook
At CLTRE, we believe that affordable housing is essential for building thriving communities. That’s why we’re excited to highlight the Supply Accelerator Playbook, an invaluable guide developed by National League of Cities and the American Planning...
Breaking Down Affordable Housing: What It Is and Why It Matters
Affordable housing is becoming a significant concern in Sacramento. As the city continues to expand, housing costs are rising steadily, which leaves many families—especially those from low-income and BIPOC communities—struggling to find affordable homes. But what...