Homeownership Partners Ask CalHFA

News & Updates:

  • CalHFA's February Lender training schedule has been released. See this Training Invitation for details.
  • Enews Announcement: 11/10/09; Updated tool to see how Cal30 & MI companies can work for you view tool>>
  • New Subordination Process for Existing CHDAP Loans read more>>

The mission of the Homeownership Division is to provide affordable housing finance opportunities to low and moderate income first-time homebuyers.  This is accomplished by offering low, fixed interest rate mortgage products, along with down payment and closing cost assistance.

CalHFA's Mortgage Insurance Services Division delivers mortgage insurance programs to meet the needs of first-time homebuyers, low and moderate income borrowers and others who may not qualify for traditional lending programs.(The Cal30 Conventional Program requires mortgage insurance from an outside provider.)

New Lender Guidelines, Training & Other Contact Information
Want to be a CalHFA Lending Partner? Find out how! Approved Lenders Search
Lender Training Contact Information


Loan Officers & Realtors (Sales)
Loan Programs & REO Properties Sales Tools & Resources
Program Descriptions Program Bulletins
Loan Officer Leads Program Homeownership Loan Programs Matrix
Subordinate Underwriting Matrix
Rates, Limits & Eligibility Conventional Underwriting Guidelines
Interest Rates Homebuyer Education Counseling
Income & Sales Price Limits Sales & Marketing Materials
Program Eligibility Information Lender Training
  How to perform BPOs for CalHFA properties (Master Brokers)


Processing Resources
Homeownership Resources Mortgage Insurance Resources
All Forms & Check Lists Program Bulletins Mortgage Insurance Application
Loan Submission Check List Conventional Underwriting Guidelines Stacking Order
Loan Purchase Submission Check List Subordinate Underwriting Matrix  
Lender Program Manual Homeownership Loan Programs Matrix  
Loan File Flow Chart CHDAP Subordination Process  


State Proposition Funding Information
Current Housing Proposition Information

CalHFA does not lend money directly to consumers. CalHFA works through and uses approved private lenders to qualify consumers and to make all mortgage loans. CalHFA purchases closed loans that meet CalHFA's requirements. The fees consumers pay could be different depending on the lender and the program.