The new loan option provides secured subordinate financing with no monthly payments and zero percent interest with a forgivable feature. HFLSD's interest-free loan program is available to residents of San Diego County.CalOSBA administers grant programs for small businesses, non-profits, and eligible community organizations that support and promote entrepreneurship. The San Diego Housing Commission (SDHC) offers deferred-payment loans and homeownership grants to help low- and moderate-income families buy their first homes. San Diego County Credit Union offers unique personal loan options that are all individually designed to fit your current financial needs.