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CalHFA works with dozens of partner lending institutions.

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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.

File Review Status

Updated 10/19/2018

Post-closing

Direct Lenders

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 >>

Loan Officers

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

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

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 Realtor's Page >>

Localities/Nonprofits

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 >>

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Scenario CalculatorLoan Scenario Calculator

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

File Review Status

Updated 10/19/2018

Post-closing

News & Updates

Dates for October Lender Training have been posted

Program Bulletin #2018-17 - Additional Requirements to Resubordinate All CalHFA Subordinate Loans

Program Bulletin #2018-16 - New, Simplified CalHFA Borrower's Affidavit and Certification

Program Bulletin #2018-15 - CalHFA Conventional Loan Programs to Allow Manufactured Housing

Enews announcements can be found on our Archived Page

Suspense Inquiries

For suspense items, refer to our MAS

Files in suspense status will only be reviewed once all suspense items are uploaded into MAS. Files are reviewed in date order and are given a rush review.

Tips for Doc Draw & Closing:

Did You
Know?

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

CONTACT US
Sacramento Headquarters
500 Capitol Mall, Ste. 1400
Sacramento, CA 95814
877.9.CalHFA (877.922.5432)
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