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CalHFA's Homebuyer Education


ONLINE: You can take eHome's eight-hour Homebuyer Education course online

IN-PERSON: face-to-face Homebuyer Education through NeighborWorks America or any HUD-Approved Housing Counseling Agency

Eligibility Questions?

 

Contact Us

Call Toll Free 877.9.CalHFA



CalHFA Lending Heroes

These loan officers have helped the most homebuyers obtain CalHFA First Mortgage Loans including down payment assistance. They recognize the challenges of low to moderate income homebuyers in today’s market. Most of all, these loan officers understand and specialize in CalHFA loan products and process.

Preferred Loan Officer list | Single Family Leads Program

CalHFA's 2015 Top Producers & Originators:

Mike Lish

Top Producer Award: Guild Mortgage

Molly Ellis of CalHFA presents a Top Producer award to Mike Rish of Guild Mortgage, which closed a whopping 437 loans in 2015.

Academy Mortgage

Top Producer Award: Academy Mortgage

The team at Academy Mortgage accepts their Top Producer award for closing 238 loans in 2015

Stearns Lending

Top Producer Award: Stearns Lending

Stearns Lending accepts their Top Producer Award for closing 171 loans in 2015.

Manuel Corral

Top Originator Award: Manuel Corral

CalHFA's Leanne Walker presents a Top Originator award to Manuel Corral of GEM Mortgage, who closed 41 CalHFA loans in 2015.

Michael Content

Top Originator Award: Michael Content

Michael Content of Summit Funding, who closed 35 loans in 2015, accepts his Top Originator Award from CalHFA's Molly Ellis.

CalHFA Top Lending Heroes

Loan Officer Manuel CorralMANUEL CORRAL, Golden Empire Mortgage, Pomona, CA

Manuel Corral is a 25 year veteran of the Mortgage Industry, and leader of the Golden Empire branch located in Pomona, California. Manuel is a perennial member of Golden Empire Chairman’s Circle Award winner for the company’s top producers, and has been nationally recognized as a top producer by numerous Mortgage Origination Publications. Since joining Golden Empire Mortgage in 1996, Manuel has funded over 3700 loans for nearly $1 billion.

Manuel credits his success to his belief in God, his family, and his many mentors (including Todd Duncan) and business associates. He believes in “People before Profits and Reputation before Revenue”. Manuel and his team are dedicated to making a difference in the lives of their customers by delivering unparalleled service coupled with unmatched borrower fiscal education to reach their financial goals.

Email: mcorral@gemcorp.com Phone Number: (866) 468-7800

Loan Officer | NMLS ID 153224

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Loan Officer Sherrie FicoSHERRIE FICO, Guild Mortgage, Walnut Creek, CA

Sherrie has specialized in down payment assistance programs for the last 10 years of her 17 year lending profession. Her forte and passion is working with First Time Homebuyers and helping them through the lending process.

Sherrie quotes “Utilizing the CalHFA  Programs definitely enables first time homebuyers, and now even non-first time homebuyers, to own their own homes with little or no money out of pocket at the close of escrow. We can often combine these programs with City programs and MCC tax credits.”

She works hard to ensure complete customer satisfaction and will keep you abreast of the details during the loan process. She promises to put my years of experience to work for you.

Email: sfico@guildmortgage.net  Phone Number: (925) 980-4046

Loan Officer | NMLS ID 264236

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Loan Officer Kathy YorkKATHY YORK, Provident Bank Mortgage, Riverside, CA

Kathy's career in the mortgage industry spans over 31 years. She underwrote loans for 22 years, during which she held positions of regional and national credit manager. Her extensive knowledge of credit and program guidelines has enabled Kathy to achieve overwhelming success in originating loans as well.

She enjoys helping first time homebuyers throughout their first experience of purchasing a home. Kathy takes pride in the level of service she provides and enjoys overcoming challenges to ensure that more people can own their own home. If it can be done, Kathy will make it happen!

Kathy is active in her community, both professionally and personally. As a member of the East Valley Board of Realtors, sits on the Public Relations committee. Kathy has a heart for those who have not experienced home ownership. Her career goal is to see every American family own their own home. The best thank you Kathy loves to receive is a referral from that brand new home owner.

Email: kyork@myprovident.com  Phone Number: (909) 641-9282

Loan Officer | NMLS ID 449980

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Loan Officer Michael ContentMICHAEL CONTENT, Summit Funding, Modesto, CA

Michael Content has over 20 years of experience in the Mortgage Industry. He focuses on providing unparalleled customer service to clients. His Team goal is to create lasting relationships with clients and build a referral based business by creating Raving Fans. The Team Core Culture is, do the right thing, do your very best and show people you care.

Michael has a passion for working with first time buyers and utilizing the CalHFA programs to make the dream homeownership a reality. He has earned Circle of Excellence and President's Club awards throughout his career. Michael is a graduate of San Jose State University with a Bachelor of Science Degree in Business.

He is a military veteran and he served on the Board of Directors for a Bay Area credit union for over 10 years. He is also an Ambassador for The Front Row Foundation.

Email: michael.content@summitfunding.net  Phone Number: (209) 605-1671

Loan Officer | NMLS ID 1205657

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Loan Officer Alisha SiroisALISHA SIROIS, Guild Mortgage Company, San Diego, CA

Alisha Sirois has been in the lending and Real Estate industry for over 20 years, and 14 of those have been with Guild Mortgage.  She has built her team with expertly trained individuals, who are excited to work with any buyer from the inexperienced and less resourceful first-time homebuyer, to the seasoned homeowner looking to grow their wealth through Real Estate.

She quotes “We work hard to ensure our buyers enjoy the best mortgage financing experience, and are offered the best financing opportunities to fully take advantage of every benefit they are eligible for.”    CalHFA's cutting-edge products, and excellent service levels really help us to deliver for our clients.  

Email: asirois@guildmortgage.net Phone Number: (858) 229-5399

Loan Officer | NMLS ID 223936

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Loan Officer Sean ConnollySEAN CONNOLLY, Eagle Home Mortgage, Clovis, CA

Sean has been specializing in down payment assistance programs for over 10 yrs and it has become a passion of his to help first time homebuyers achieve their dream of home ownership.

He has been in the mortgage industry for 20 yrs and has been through the ups and downs experienced in housing markets in Fresno County, where he has lived for the past 18 yrs., as well as Santa Cruz County, where he grew up and his family still resides. He has certifications in credit counseling and Mortgage Planning through the CMPS Institute since 2007 and has used this ability to help many potential homebuyers to maximize their buying potential using the First Time Home Buyers programs as well as the non-first time home buyers programs. CalHFA's state of the art programs seem to have the best options for our home buyers in these markets and I love to use them to the fullest extent.

He has been a recipient of the President's Club for the past 10 yrs for excellence in loan originating/closing.

Email: seanconnolly@eaglehm.com  Phone Number: (559) 905-0728

Loan Officer | NMLS ID 256080

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Loan Officer Raul P. CamaliganRAUL P. CAMALIGAN, Skyline Home Loans, Redondo Beach, CA

Raul P. Camaligan is an outlier since 1997 in the 1st time buyer business where he originated his 1st down payment assistance loan leveraging some of the non-profit organizations before discovering CHFA loans as it was originally known (pronounced Cha-Fuh), the parent of CalHFA.

Raul believes "The #1 obstacle of buyers has and will always be the lack of down payment and closing costs, thus, CalHFA is always the solution and the saving grace. Many 1st time buyers in the past have now upgraded, sold and or retained their homes and their state run program became their foundation in their wealth creation in real estate."

Raul is a perennial top producer in the Greater Los Angeles area and hails originally from Jersey City, New Jersey where He went to Jesuit St Peter's Preparatory High School and Rutgers University graduating with a Bachelor of Science in Business Administration, He was team captain lettering in Varsity Baseball as an All-Star/All-State Pitcher.

Email: rcamaligan@SkylineHomeLoans.com  Phone Number: (323) 228-2663

Loan Officer | NMLS ID 317770

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Loan Officer Gene O'Brien Sr.GENE O'BRIEN Sr., Platinum Home Mortgage, Fresno, CA

Gene is the licensed branch and loan production manager of one of the nation’s largest privately-held mortgage bankers.

Gene feels his job is to help guide you through the loan process from start to finish and finding financing solutions for all of his clients to meet their individual home mortgage needs.  He specializes in first-time buyer programs – including CALHFA first mortgage loans and down payment assistance.  Gene understands that this is one of the most important decisions you will make. From start to finish, Gene is ready to help you purchase your home with just the right financing program to fit your individual needs.

An advocate of community involvement, he is an affiliate member of the Fresno Association of REALTORS, Fresno County Peace Officers Association, California Association of REALTORS. Gene also served honorably with the U.S. Air Force, 474th Combat Group, Tactical Air Command. Other recent accomplishments include Presidents award 2012 and 2013, Originators Club 2014.

Email: gene.obriensr@phmc.com  Phone Number: (559) 779-8080

Loan Officer | NMLS ID 232947

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Loan Officer Beth GewerthBETH GEWERTH, American Pacific Mortgage, Roseville, CA

Beth has 29 years in the mortgage lending industry.  Her experience includes several years as a loan processor and branch operation manager prior to taking the step to becoming a loan officer in 1999.

Beth quotes “Working with 1st time homebuyers is very rewarding being able to assist them in achieving their dream of homeownership.  In my career as a loan officer, I have always made assisting first time home buyers part of my business model.  A majority of them have come back to me to purchase another home or refinance.”

In her personal time, she enjoys running, biking on the local trails around Sacramento.  This last summer, she took up paddle boarding and have had fun discovering lakes in the foothills.

Email: beth.gewerth@apmortgage.com  Phone Number: (916) 796-4241

Loan Officer | NMLS ID 246794

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Loan Officer Beth GewerthED BANUELOS, New American Funding, Sherman Oaks, CA

Over the last thirty- three years (33), Ed Banuelos has been cultured and trained in the banking world. Twenty-three (23) of which have been dedicated to meeting the mortgage needs of my communities as a top producer.

In 1998, he opened his first office and followed by another office opening in 2004. Throughout Ed's career he has been deeply involved in the community. From 2005 to 2007, he served as president of the chamber of commerce for the city of San Fernando. Additionally, Ed possesses a long history of educating the community by hosting free informational seminars for first time home buyers.

Ed specializes in helping first time buyers purchase homes with Down Payment assistance and no mortgage insurance using some of the secondary financing and state and city sponsored bond and grant programs with the MCC tax credit. Ed quotes "The CalHFA program in my view is the most diverse program of all first time buyer options!!"

Email: Ed.Banuelos@Nafinc.com  Phone Number: (818) 271-7069

Loan Officer | NMLS ID 794093

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The views, opinions and positions expressed by the Lending Heroes on this website are theirs alone, and do not necessarily reflect the views, opinions or positions of the California Housing Finance Agency, or any employee thereof. The California Housing Finance Agency makes no representations as to accuracy, completeness, or validity of any information presented by individual Lending Heroes and will not be liable for any errors, omissions, or any losses, injuries or damages arising from its display or use.