There may be a delay in processing of payoff demand and other loan servicing requests due to higher than normal request. We appreciate your patience. Please email your request to firstname.lastname@example.org or fax to 916.326.6420.
Subordinate Financing (Subordinate Liens)
Forgivable Equity Builder
I want my CalHFA loan to be converted to a Forgivable Equity Loan. How do I do that?
Is my CalHFA DPA loan forgiven now that CalHFA offers the Forgivable Equity Builder Loan?
I was told my “silent second” was forgivable. Why isn’t it?
What happens to my Forgivable Equity Loan after five years?
Can I make payments towards my Forgivable Equity Builder Loan?
I need to sell my home and move to another state because of a job/family/other situation outside of my control. Why do I have to pay the full amount of the loan when it is forgivable, and this is outside of my control?
Why did I/will I receive a 1099 C for my Forgivable Equity Loan? I thought it was forgivable.
Can the Forgivable Equity Builder loan be used for down payment and closing costs?
Can I rent out my home if I need to move for work with the Forgivable Equity Builder Loan Program?
Do I need to send in any documentation yearly for this lien?
Will I get any correspondence on this loan?
If I pay off the loan prior to the five-year full forgiveness date, will I be required to pay the entire original loan balance, or a prorated amount?
Interest calculations and Statements
Why do I get periodic notices if this is a "silent" loan?
IRS Forms and Year End Statements
Who do I contact if I have not received my IRS Form?
Why is the interest on my 1098 higher in the most recent year than the prior year?
Why is the interest on my 1098 significantly lower in the most recent year than the prior year?
Can I get payment coupons or a monthly statement for my subordinate loan(s)?
Where do I make payments if I want to?
How do I obtain payoff information?
What are the fees if I order a Payoff Demand?
What are the acceptable forms of payment for paying off my loan?
What documents will I be given?
How do I obtain a zero demand letter?
Short Sale Requests
How do I obtain a Verification of Mortgage (VOM)?
Does my silent second (subordinate loan) reset upon refi?
What do I do regarding a junior lien with Keep Your Home California (KYHC) or CalHFA Mortgage Assistance Corporation (CalHFA MAC)?
All comments are subject to tax law interpretation and should be confirmed by a tax consultant.
Can CalHFA tell me exactly what my Recapture Tax will be?
When do I pay the Recapture Tax?
Does a refinance activate the Recapture Tax?
Is it true I lose half of the gain on the sale of my house to Recapture?
What do I need to calculate my Recapture Tax?
How do I calculate my Recapture Tax?
What happens if my loan is assumed?
Other Recapture questions?
Call us toll free at 877.922.5432, or send questions to "Contact Us".