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 05/2019. 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.

There are no bulletins for current year. Archived Program Bulletins, sorted by year, can be found here


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.

back to top

Scenario CalculatorLoan Scenario Calculator

The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.

News & Updates

Dates for January Lender Training have been posted

Program Bulletin #2019-26 - Updated Sales Price Limits

Program Bulletin #2019-25 - Increased Conventional and Government Loan Limits Effective January 1, 2020

Program Bulletin #2019-24 - Change in Extension Fees on CalHFA's First Mortgage Loan Products

Enews announcements can be found on our Archived Page