Home Ownership Alternatives (HOA) is a non-profit financial corporation dedicated to making home ownership possible for moderate income families.

Celebrating 25 Years of Making a Difference!

Since 1994 Home Ownership Alternatives (HOA) has helped over 3,000 families reach their dream of home ownership. In 2019 another 650 families will move into their new homes.

The future is bright with plans already underway for financing the development of over 1,700 units in the Greater Toronto Area and Guelph.


Make partial payments on your HOA 2nd Mortgage.  To make it easier for you to pay down your mortgage, a minimum payment of  only $200 is now required for partial payments.
Read more.


For board members and administration. User name and password required.

Login here.