Lenders/Realtors/Nonprofits

The Homeownership Division provides low interest rate home financing to low and moderate income, first-time homebuyers in California, as well as down payment and closing cost assistance. This section includes program descriptions, loan forms, interest rates, income and sales price limits and more.

In addition to the information organized in the above tabs, we've also provided a page dedicated to your role in the homebuying process. Visit the page below that best describes your job function to acquire information and tools specifically for you.

Direct Lenders

CalHFA works with partner lending institutions to offer low interest rate loans to low and moderate income homebuyers.  Becoming a CalHFA Approved Lender may take some time, and the time is worth it, both to your bottom line and to your community.  We hope you read further about the benefits of becoming a CalHFA approved lender, and what the process entails.
Visit the Direct Lender's Page >>

Loan Officers

CalHFA uses a network loan officers to help market and sell its loan products to low and moderate income homebuyers.  These loan officers must work for one of our CalHFA Approved Lenders. We also administer the CalHFA Homeownership Leads Program that recognizes the most knowledgeable loan officers; as well as provide marketing materials to help spread the word about the work we do.  Please browse around for more information.
Visit the Loan Officer's Page >>

Brokers

Brokers who work with low and moderate income homebuyers can get access to CalHFA products through CalHFA approved lenders that wholesale CalHFA loans. Brokers may participate in our Preferred Loan Officer program, as well as use any of our marketing materials to help spread the word. 
Visit the Broker's Page >>

Realtors & Real Estate Agents

Real estate agents are often the first point of contact for people purchasing a home, and CalHFA recognizes their importance to homebuying.  CalHFA has marketing materials to help your clients make an informed choice about their home loans, and is also proud of its quick turnaround times for loan processing when you have a tight deadline for closing escrow.  Please look around this section for more information on how becoming familiar with CalHFA loans can help your business, even with non-first-time homebuyers.
Visit the Realtor's Page >>

Localities/Nonprofits

One of the most important benefits of using a CalHFA loan for a homebuyer is the access it provides to down payment assistance programs provided by California's local public agencies and nonprofit organizations. CalHFA is eager to form partnerships with local city and county government agencies, as they provide affordable housing inventory and down payment assistance. Please browse this section for more information on how CalHFA can complement your existing programs.
Visit the Localities/Nonprofit's Page >>

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