CalHFA works with dozens of partner lending institutions.
The Single Family Division provides low interest rate home financing to low to moderate income 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.
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CalHFA works with partner lending institutions to offer low interest rate loans to low to 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 >>
CalHFA uses a network of loan officers to help market and sell its loan products to low to moderate income homebuyers. These loan officers must work for one of our CalHFA Approved Lenders. We also administer the CalHFA Single Family 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 who work with low to 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 >>
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 Real Estate Agent's Page >>
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.
Visit the Localities/Nonprofit's Page >>
The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.
News & Updates
Program Bulletin #2020-08 - Updated Income Limits for All CalHFA First and Subordinate Mortgages
Program Bulletin #2020-07 - Elimination of Sales Price Limits
Program Bulletin #2020-06 - Updated Debt-to-Income Ratio Requirements for All Borrowers
Latest Enews Announcements
Enews 05/26/20: CalHFA At Home with Molly Ellis
Enews 05/11/20: CalHFA Enews: REMINDER - ZIP Closing Cost Assistance Funds Can Only Be Used for Closing Costs
Enews 04/29/20: Last Day To Lock In 45% DTI Ratios Is Thursday, April 30
Enews announcements can be found on our Archived Page