In 1978, SALT envisioned and created Northbay Family Homes (NFH) a non-profit devoted to local affordable housing. For over 40 years, Northbay Family Homes worked with developers, investors and municipalities to spur the creation of more affordable homes in Novato, the North Bay, and in the Greater Bay Area.

SALT created an enduring legacy of real estate projects prior to bringing NFH to a close in early 2021. NFH facilitated over 4,000 homes representing a total leveraged investment in excess of $150 million. These pages stand as testament to this incredibly successful project.

While Northbay Family Homes’ primary goal was affordable-home ownership, they also recognized that rental units are an important part of the local housing mix. Several of its larger projects involved the creation of both ownership and rental units on the same parcel of land. Some projects included other commercial and office uses as well. Projects fell into three categories:


  • Ownership – Projects created primarily for sale to homebuyers
  • Rental – Projects created for rental units only
  • Mixed Use – Projects containing both ownership and rental homes and/or other office, commercial, or retail uses



Home ownership remains the American Dream — and the goal of most Northbay families as it's their single biggest step toward building wealth over a lifetime.

Northbay Family Homes assisted many homebuilders in constructing products that were made available for ownership by workforce families. Their depth of knowledge and industry contacts allowed them to guide private-sector homebuilders in producing affordable homes faster, more efficiently, and with sufficient return on investment. They assisted in the creation of both single-family and attached housing with projects including from two homes to 200 or more on a single site.

View Ownership Projects >



As people prepare to buy their first home, they must establish a history of personal and financial stability. NFH rental-home projects, whether apartments or townhomes, were an essential step in this important progression toward home ownership.

View Rental Projects >



Mixed-Use is a building concept that maximizes the number of homes that can be built at a given site by including additional uses, such as retail, office, or rental homes on the same site.

View Mixed-Use Projects >