Buy your first home with little or no money out-of-pocket using CalHFA's programs.

Most people borrow the large amount of money they need to buy a home. This type of borrowing is called a first mortgage loan. There are also mortgage loans that can help out with down payment or closing costs, called junior loans. CalHFA has first and junior loan options for low to moderate income families, including low to zero interest rate down payment assistance loans.

Zero Down Payment

Zero Closing Costs

FHA or Conventional Loans Available

Income Limitations apply

We focus on helping clients become as financially efficient as possible.

We do his by identifying areas where homeowners may be losing net income unknowingly and unnecessarily and developing a strategy to reduce or eliminate those losses.

We'd love to tell you more.

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