Real Estate Agents

Program Summaries

CalHFA understands that most real estate agents will not need all of the extensive details that we offer in our loan program handbooks available to our loan officers and brokers. That's why we've created these simple, printable summary sheets just for you.

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Find loan officers approved for CalHFA loans

CalHFA only works with approved, skilled loan officers who are familiar with CalHFA's loan programs and their various requirements, options and benefits. These loan officers can guide you through the entire home buying process from start to finish.

CalHFA Top Lending Heroes

These Top Hero Loan Officers have helped the most homebuyers obtain CalHFA First Mortgage Loans including down payment assistance. They recognize the challenges of low to moderate income homebuyers in today’s market.

Search All CalHFA Loan Officers

• View this list of CalHFA preferred loan officers to locate the name and phone number of a CalHFA-trained loan officer near you.

• Our lender database will allow you to locate a branch office near you. However, please note that all branch offices may or may not have loan officers on site that are trained to process CalHFA loans. Contacting a "preferred loan officer" will get you in touch with someone who is trained and has experience with CalHFA loans.

• If you'd like to have a CalHFA representative contact you or get a referral to one of CalHFA's preferred loan officers, fill out this short contact form.

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Federally Designated Targeted Areas

Targeted areas offer a lot of benefits for your homebuyers such as taking advantage of first-time homebuyer programs, such as MCC, without actually being a first-time homebuyer, higher income limits and higher sales price limits. Get more details on targeted areas so you can pass along the benefits to your clients.

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Homebuyer Education Requirement

CalHFA firmly believes that homebuyer education and counseling is critical to the success and happiness of a homeowner, and requires homebuyer education and counseling for first-time homebuyers using a CalHFA program.

Who has to take this Homebuyer Education and Counseling course?

Only one occupying first-time borrower on each loan transaction.

How do I take this education and counseling course?

• ONLINE: eHome's eight-hour Homebuyer Education and Counseling course is the only online course accepted by CalHFA. (fee: $99) Other online courses like Frameworks are not acceptable because they do not provide a one-hour, 1-on-1 counseling follow-up session.
• IN-PERSON: face-to-face Homebuyer Education and Counseling through NeighborWorks America or any HUD-Approved Housing Counseling Agency
  (fee: varies by agency)

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Sales Tools & Marketing Materials

CalHFA produces many collateral pieces to both inform homebuyers and help our lending partners with the CalHFA process. Many of the pieces are in downloadable format for convenient printing.    Take a look at what we have to offer!

Visit the Sales Tools & Marketing Materials page for details.

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CalHFA REO Properties for Sale

You can find some very reasonably priced homes throughout California by looking into Real Estate Owned or REO properties. CalHFA owns and offers REO properties in various counties throughout the state.

How to List CalHFA Properties

We appreciate your interest in selling or performing BPOs for CalHFA owned properties. We currently do not have an application through our web site, as we use Master Brokers who assign the properties to listing agents. You may contact one of our Master Brokers if you are interested in applying to become a part of their network of listing agents.

Master Brokers can be contacted at:

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News & Updates

Dates for March Lender Training have been posted

Program Bulletin #2019-08 - Lower Interest Rates for Conventional Loans with no Subordinates

Program Bulletin #2019-07 - CalHFA to Add a 2% ZIP Option and Eliminate the 4% ZIP Option

Program Bulletin #2019-06 - CalHFA to Offer Lower Interest Rates on Conventional First Mortgages for Certain Eligible Borrowers

Program Bulletin #2019-05 - New Borrower's Affidavit and New Restriction on Non-Occupant Co-Signors

Program Bulletin #2019-04 - New Interest Rate for the MyHome and School Program

Program Bulletin #2019-03 - One Promissory Note and One Deed of Trust for All CalHFA Subordinate Loans

Enews announcements can be found on our Archived Page