CalHFA Loans

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.

Set up a time to chat with one of our experts.

11622 El Camino Real, Suite 100 San Diego, CA 92130

Carl Spiteri | NMLS ID 286890

Phone: 619.544.6444

Office: 858.526.3037

eFax: 800.670.0929

Ark-La-Tex Financial Services, LLC NMLS ID 2143

Carl Spiteri | NMLS ID 286890

Ark-La-Tex Financial Services, LLC d/b/a Benchmark Mortgage 5160 Tennyson Pkwy STE 1000, Plano, TX 75024. NMLS ID #2143 (www.nmlsconsumeraccess.org) 972-398-7676. Some products may not be available in all licensed locations. Information, rates, and pricing are subject to change without prior notice at the sole discretion of Ark-La-Tex Financial Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions may apply. (https://benchmark.us)