Future Applicants
Your First Key Is Coming
If you are a teacher, nurse, first responder, or military family in Southern California — you are exactly who FirstKey Foundation was built for. Enrollment is not open yet, but you can join the interest list today.
Program Status: Development Phase
The FirstKey PAL program is currently in development. We are not accepting applications yet. Join the interest list below to be the first to know when enrollment opens.
Eligibility
Who the Program Is For
FirstKey is designed for middle-class workforce families in Southern California who earn too much to qualify for traditional subsidized housing — but too little to compete in a market where median home prices exceed $800,000.
- ✓K–12 teachers and education staff
- ✓First responders (police, fire, EMT)
- ✓Registered nurses and healthcare workers
- ✓Active military and veterans
- ✓Other workforce roles in essential services
Income limits, geography requirements, and full eligibility criteria will be published when enrollment opens.
The PAL in Plain Language
FirstKey provides a silent second loan— up to 30% of the home's purchase price. You don't make monthly payments on it. No interest for 3–5 years.
When you sell or refinance, you repay the original loan amount. That capital goes to the next family. The model is designed to recycle — not to create dependency.
Example: $600K home → $180K PAL → $420K primary mortgage. Monthly payment drops ~$1,865/mo vs. carrying the full price.
Full model breakdown →The Process
Join the Interest List
Sign up below with your name and email. You will be notified when the program opens for enrollment and when information sessions are scheduled.
Attend an Information Session
We will host virtual and in-person sessions explaining the program mechanics, eligibility criteria, and the application process in detail.
Submit an Application
When enrollment opens, you will submit an application including income verification, proof of occupation, and household information.
Get Matched With a PAL
If approved, FirstKey will issue a Purchase Assistance Loan that you can use alongside a conventional primary mortgage to purchase a qualifying home.
Complete Financial Education
All participants complete mandatory personal finance training and open savings and investment accounts as part of the program. Ownership is the beginning of wealth-building.
Interest List
Be the First to Know
Leave your email and we will notify you when enrollment opens, when information sessions are scheduled, and when any program updates are available.
Have questions before signing up? Read how the program works or contact our team.