Video Library Information for all Loan Programs, Submission & Lender Program Manual
CalHFA has organized its program information into convenient handbooks for easy reference. All the information for a given program—from qualifying criteria to forms & docs—is collected in one easy place. You can print them out for desktop reference, or browse and search them online in PDF format. Get familiar with their layout, and you'll be a CalHFA program whiz in no time.
CalHFA FHA, USDA and VA loans program information and guidelines.
CalHFA conventional loans program information and guidelines.
Down Payment Assistance Program
Combine MyHome with any CalHFA first mortgage program above for added affordability
Loan Submission Handbook
Both Pre-Closing Submission and Post-Closing Loan Delivery and Purchase processes in one easy handbook
Lender Program 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.
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.
The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.
News & Updates
Program Bulletin #2020-10 - Maximum Debt-to-Income Ratio for All Borrowers Increasing to 45%
Program Bulletin #2020-09 - MyHome Interest Rate Decreases to 2.00%
Program Bulletin #2020-08 - Updated Income Limits for All CalHFA First and Subordinate Mortgages
Program Bulletin #2020-07 - Elimination of Sales Price Limits
Latest Enews Announcements
Enews 11/01/20: CalHFA's November Update With Molly Ellis
Enews 08/26/20: Lakeview Disaster Guide
Enews 08/24/20: Resources for Fire Victims
Enews announcements can be found on our Archived Page