The First-Time Homebuyer Advantage

– Down payment or closing costs assistance
– Deferred payment junior loan
– Typically low-interest rate

Wide Variety of Products

– CalHFA VA Program
– CalPLUS with ZIP | 97% LTV Conv, 96.5% LTV FHA(first-time mortgage loan), Zero Interest Junior Loan
– School Program | Up to 4% of the home’s sales price in a deferred payment loan for teachers and staff serving California’s public schools
– EEM+Grant Program | Finance 5% more to make Energy-Efficient improvements, an additional 4% CalHFA
– MCC Program | Convert up to 20% of the mortgage interest into the tax credit
– 203(K) Program | Up to $35,000 for minor remodeling and non-structural repairs