CalHFA Programs

The California Housing Finance Agency (CalHFA) offers First and Second Mortgages that can be combined to finance up to 105% of the purchase price.

Loan Features:

  • Minimum credit score of 640.

  • As little as $0 down payment required when combining a First Mortgage with a Second Mortgage.

  • Available to First Time Homebuyers and NON First Time Homebuyers.

  • Generous Income limits apply.

  • Generous Sales Price limits apply.

  • Conventional and FHA First Mortgages are available.

  • Conventional First Mortgage offers reduced Mortgage Insurance rates.

  • Down Payment Assistance available in the form of a Second Mortgage. Multiple Second Mortgages and can be combined if needed!

To learn more:

Please visit CalHFA’s website: CalHFA stands for California Housing Finance Agency and is a state run agency.

To begin a loan application or speak with a loan officer, please visit our Locations page to find a branch closest to you.