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The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client. (Best viewed in IE9 or higher, Chrome, Firefox or Safari)

File Review Status
Updated 12/12/2017
Loans in line Review Date

Compliance

35 Dec 8

Post-closing

MyHome/ZIP/ECTP

88 Dec 8

Subordinations

11 Dec 9

News & Updates

Video thumb Video: Cal-EEM + Grant helps homebuyers with $24,000 of energy upgrades

Program Bulletin #2017-13 Proposed Federal Tax Reform and the Uncertainty of Mortgage Credit Certificate Program

Program Bulletin #2017-12 Closing Document Revisions for MyHome Assistance Program and Extra Credit Teacher Home Purchase Program (ECTP) when combined with a CalHFA Government Insured/Guaranteed First Mortgage

Program Bulletin #2017-11 CalHFA Launches New CalHFA VA Loan Program

Program Bulletin #2017-10 Updated Sales Price Limits

Enews announcements can be found on our Archived Page

Did You Know?

Lenders receive a 1% Service Release Premium in addition to the origination fee on all CalHFA first mortgages!

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  • cALhfa va: 30-year, fixed rate mortgage for veterans and armed service members. Click for more info.
  • New save energy and money CalEEM + Grant Additional 4% Grant for energy upgrades with a 30year fixed EEM Mortgage. Click for more info.
  • MyHome Assistance Program: Down payment and closing cost help for first-time homebuyers
  • CalPLUS with ZIP: 30-year, fixed rate first mortgage packaged with down payment assistance
  • Tax credits- Mortgage Credit Certificate: Lower your taxes with our federal tax credit program. Click for more info.
  • Grade A+ Extra Credit Teacher Program Extra financial help for staff at California public schools. Click for more info.

CalHFA Lender Manual & Program Bulletins

Lender Manual

CalHFA's Lender Program Manual is directed to mortgage professionals, such as lenders, loan officers, underwriters, brokers, escrow officers and servicers. It is intended as a guide for originating loans for purchase by CalHFA. The Manual is periodically amended and/or updated by Program Bulletins. Lender Program Manual (pdf)

The current version of the Program Manual was revised 08/2017. Please refer to the subsequent Program Bulletins for the most current information.

Program Bulletins - Current Year

CalHFA Program Bulletins are addendums to the Lender Program Manual and important communication tools to our lending partners. These bulletins are provided in Adobe PDF format and require Adobe Reader to open and view them.

Bulletin # Title
#C2017-30 Lakeview/Bayview Company Address Change
#2017-13 Proposed Federal Tax Reform and the Uncertainty of Mortgage Credit Certificate Program
#2017-12 Closing Document Revisions for MyHome Assistance Program and Extra Credit Teacher Home Purchase Program (ECTP) when combined with a CalHFA Government Insured/Guaranteed First Mortgage
#2017-11 CalHFA Launches New CalHFA VA Loan Program
#2017-10 Updated Sales Price Limits
#2017-09 Updated Income Limits for all CalHFA Conventional and FHA Loan First Mortgage Programs
#2017-08 Updates to Manufactured Housing Guidelines for All CalHFA FHA Loan Programs
#2017-07 Escrow Holdbacks Allowed and Name Change for the Notice of Conditional Approval
#2017-06 Updated Income Limits for the CalHFA Mortgage Credit Certificate Tax Credit Program
#2017-05 Updated Sales Price Limits for the CalHFA Mortgage Credit Certificate Tax Credit Program
#2017-04 CalHFA Enhances Homebuyer Education
#2017-03 Accessory Dwelling Unit (ADU)
#2017-02 Updates to Resubordination Process For All CalHFA Subordinate Loans
#2017-01 CalHFA Streamlines Lender Application and Lender Recertification

Archived Program Bulletins, sorted by year
All Program Bulletins, sorted by subject
Archived Enews Announcements, sorted by year


Updates and changes will be announced from time to time via a Program Bulletin ("Program Bulletin" or "Program Bulletins") and Lenders should sign up for Enews announcements and monitor CalHFA’s website for specific Program Bulletin updates and changes to the Program Manual.

Whenever possible, CalHFA will provide its Lenders a five (5) business day notice via a CalHFA Program Bulletin or Enews announcement regarding program and policy changes.

Some exceptions may apply to the notification policy, such as daily interest rate announcements and changes directed by other state (e.g. State Treasurer’s Office), federal (e.g. GSEs, FHA) or private (e.g. Master Servicer and Mortgage Insurance provider) partners who have not allowed sufficient time for a 5-day notification.

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