Housing Partnership


If you are a worker covered by the Culinary and Bartenders’ union contract who has at least 2,000 hours of service over a three-year period, then you are eligible for the housing benefit that helps gaming workers obtain the dream of homeownership.

Established as a result of the 2007 collective bargaining agreement, the Culinary and Bartenders Housing Partnership provides the following benefits:

Homebuyer education and counseling
Workshops on foreclosure prevention
First-time homebuyer down payment loans

The State of Nevada Housing Division has joined with the Culinary and Bartenders Housing Partnership to provide up to $10,000 in loans for a down payment on a home.


The down payment assistance loan up to $20,000 has a 0% interest rate.
You do not have to pay back the loan until you sell, transfer or refinance.
If you sell or refinance you pay the loan back at face value with no interest charges.
You must live in the house you buy (no second homes or vacation homes).
You must not have owned a home within the past three years.
You must contribute up to 3% of the purchase price.

Your combined household income can’t be greater than $76,680 for a 1-2 person household. For a household with 3 or more persons, your combined household income can’t be greater than $89,460.
You will be required to complete an orientation class, an 8-hour homebuyer education course and a one-on-one counseling session at no cost to you.

You must qualify for a mortgage – you may use a lender of your choice, or the Housing Partnership can provide you with a list of participating lenders to assist you. Participating lender list can be located at
Funds for loans are limited and will be granted on a first come first serve basis.

If you own your own home, and you are:

currently behind in your mortgage payments;
received a notice of loan default or breach in the mail; or
received a notice of foreclosure sale of your home,

Erlinda A. Ponce-Marin Real Estate 702-735-0222

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