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The Housing Endowment and Regional Trust The Housing Endowment and Regional Trust Building Brighter Futures in San Mateo County HEART meets critical housing needs in San Mateo County by providing land acquisition rehabilitation and early funding to affordable housing projects for lowincome residents. What We Offer For over 20 years we have helped individuals and families throughout San Mateo County by providing access to the following services First Time Homebuyer Program We provide free educational workshops throughout our community and loans to our firsttime homebuyers to assist with up to 15 of the down payment on their income. Developer Loan Program We make loans to nonprofit developers forprofit organizations and educational institutions to develop preserve acquire and rehab affordable housing. Accessory Dwelling Unit ADU Center Our Green Livable Accessory Dwelling Unit Resource GLADUR makes building ADUs easier and more affordable with four allelectric designs free to the public and prereviewed in five cities.