The supervisors hear sometimes emotional pleas from the applicants and their real estate and loan company representatives to reconsider their previous decisions in light of additional financial information provided. Young local families face a double-whammy of relatively low local wages and high property prices when trying to buy their first home n the county, the applicants said. Both Supervisor Forster and Boitano reiterated their responsibility to administer the program conservatively on behalf of taxpayers and future First Time Home Buyer applicants. In light of the buyers’ improved financial situations, the supervisors approved both of the application appeals. Each year the county has 7-8 $100,000 2nd loans that are offered to qualified buyers. To qualify, the buyer must have an income at 80% or less of the county median income or about $3300 per month for a 2 person household. Buyers must be able to secure a first mortgage, but can’t buy the property without a second, which is typically needed for the down payment. Larry Busby, the executive director of the Central Sierra Planning Council, the agency contracted to administer the loan approval process, said these loans remain in place for 30 years or until the property is sold or title changes hands. At that time, the funds become available again to new buyers.