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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 11/22/2017
Loans in line Review Date

Compliance

58 Nov 20

Post-closing

MyHome/ZIP/ECTP

124 Nov 20

Subordinations

13 Nov 15

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.

Program Bulletins - Mortgage Insurance & Underwriting Guidelines

Date Title
#2014-03 CalHFA to Allow Manual Underwriting for FHA loans
#2011-18 CalHFA Mortgage Insurance Claim Paying Procedures Update
#2011-13 VA Loan Modifications
#2011-12 Conventional Loan Short Sale Mortgage Insurance Claim Filing
#2011-11 Foreclosure Avoidance & Loss Mitigation for CalHFA FHA, VA & USDA/RHS (Government Loans) Using Keep Your Home California Programs
#2011-04 Changes to CalHFA Mortgage Insurance Claim Paying Procedures
#2009-19 Mortgage Insurance Premium Changes: Corrected
#2009-13 CalHFA Condominium Requirements for Conventional Loans Updated
#2009-04

Mortgage Insurance Premium Changes

#2009-01 Update to HomeOpeners, A Mortgage Protection Program
#2008-38 CalHFA Conventional Loan Underwriting Guidelines Updated
#2008-37 Correction to Release Date and Bulletin Number on Program Bulletin #2008-36
#2008-36 CalHFA Conventional Loan Underwriting Guidelines: Updated
#2008-29 Conventional Underwriting Guidelines Update
#2008-21 New Underwriting Procedures for Government Insured/Guaranteed Loans with CalHFA Subordinate Financing
#2008-09 CalHFA Loan Program Changes
#2008-06 CalHFA Conventional Loan Underwriting Guideline Update
#2008-04

CalHFA Condominium Requirements for Conventional Loans: Updated

#2008-02

Collateral Evaluation in Declining Markets

#2007-06 CalHFA Conventional Loan Underwriting Guideline Update
#2007-43 CalHFA Conventional Loan Underwriting Guidelines: Updated
#2007-15 New Underwriting Procedures for CHDAP and HIRAP
#2007-13 Updated Conventional Loan Underwriting Guidelines
#2006-16 CalHFA Conventional Loan Underwriting Guidelines: Updated
#2005-20 CalHFA Manufactured Housing Property Requirements
#2005-18 Condo Requirements for Conventional Loans
#2005-17 Conventional Underwriting Guidelines
#2005-10 New - HomeOpeners, A Mortgage Protection Program
#2005-08 Reduced Mortgage Insurance Premiums
#2003-34 New procedures for Conventional loan submissions
#2003-25 Zero Upfront Monthly Premium Payment Option for mortgage insurance
#2002-11 Mortgage Insurance Advance Payment Remittance requirement has been rescinded
#1999-11 Termination or Cancellation of Mortgage Insurance for Conventional Mortgages (The Homeowners' Protection Act of 1998)