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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 12/05/2016
Loans in line Review Date

Compliance

27 Dec. 2

Post-closing

MyHome/ZIP/ECTP

254 Nov 29

Subordinations

14 Dec. 1

News & Updates

Video Library
Get to know CalHFA and our programs

Program Bulletin #2016-24 Clarification to CalHFA's Rate Lock Extension Options

Program Bulletin #2016-23 Update to CalHFA's Wire Account Policy and Elimination of the MSV-II Document

Program Bulletin #2016-22 Updates to CalHFA's Disclosure Requirements for CalHFA Subordinate Loans and the Zero Interest Program (ZIP)

Program Bulletin #2016-21 New Zero Interest Program Interest Rate Disclosure

Program Bulletin #2016-20 CalHFA Offers New Rate Lock Extension Options with Lower Fees

Program Bulletin #2016-19 Conventional High-Balance Loans Available November 1

Program Bulletin #2016-18 Updates to CalHFA Subordinate Loan Programs

Program Bulletin #2016-17 CalHFA Adds Additional Rate Lock Option

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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  • 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
  • New save energy and money CalEEM + Grant Additional 4% Grant for energy upgrades with a 30year fixed EEM Mortgage. Click for more info.
  • Grade A+ Extra Credit Teacher Program Extra financial help for staff at California public schools. Click for more info.
  • Tax credits- Mortgage Credit Certificate: Lower your taxes with our federal tax credit program. 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 11/2016. 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
#2016-24 Clarification to CalHFA's Rate Lock Extension Options
#2016-23 Update to CalHFA's Wire Account Policy and Elimination of the MSV-II Document
#2016-22 Updates to CalHFA's Disclosure Requirements for CalHFA Subordinate Loans and the Zero Interest Program (ZIP)
#2016-21 New Zero Interest Program Interest Rate Disclosure
#2016-20 CalHFA Offers New Rate Lock Extension Options with Lower Fees
#2016-19 Conventional High-Balance Loans Available November 1
#2016-18 Updates to CalHFA Subordinate Loan Programs
#2016-17 CalHFA Adds Additional Rate Lock Option
#2016-16 Update to the CalHFA Mortgage Credit Certificate (MCC) Tax Credit Program Fees
#2016-15 Expansion of and Updates to the Extra Credit Teacher Home Purchase Program (ECTP)
#2016-14 Updated Sales Price Limits for the CalHFA Mortgage Credit Certificate Tax Credit Program
#2016-13 Updated Income Limits for all CalHFA Loan Programs and CalHFA Mortgage Credit Certificate Tax Credit Program
#2016-12 Updates to Annual Lender Recertifications
#2016-11 CalHFA Announces New Options for ZIP Down Payment Assistance and Changes to the MyHome Program
#2016-10 Acceptance of Mortgage Electronic Registration System (MERS) for all CalHFA Subordinate Loans
#2016-09 CalHFA Announces Additional Master Servicer
#2016-08 Clarification to CalHFA's Disclosure Requirements for CalHFA Subordinate Loans
#2016-07 Increased Income Limits in High Cost Counties for CalHFA Conventional Loan Programs
#2016-06 CalHFA Releases Updated Lender Manual
#2016-05 New Net Funding Procedures for CalHFA Subordinate Loans
#2016-04 CalHFA Now Accepts Electronic Signatures on Affidavits and CalHFA Purchase Documents
#2016-03 Disclosure Requirements for CalHFA Subordinate Loans
#2016-02 Deeds of Trust Revisions for all CalHFA Subordinate Loans
#2016-01 FHA High Balance Loan Fee Due Ten Days After Closing

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


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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