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

Dream for All applicant portal will be open to accept new submissions as of 4/3/24. Borrowers with a Dream For All Conventional First Mortgage may be eligible for up to 20% of the sales price or appraised value (whichever is less) of the California located subject property in the form of a down payment assistance loan to be used for down payment or closing costs. Income and LTV limits apply. Cannot be combined with CalPLUS ZIP or MyHome programs from CalHFA. Upon sale or transfer of the home, the homebuyer must repay the original down payment loan plus a share of the appreciation in the value of the home. Program appreciation share is equal to the Shared Appreciation Loan amount (i.e., the original principal amount) as a percentage of the home value. The amount of the shared appreciation is capped at 2.5 times the original principal amount. Down Payment Assistance is available while funds last. Applicant subject to credit and underwriting approval. Restrictions 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

OriginPoint LLC. NMLS License #2185899

Carl Spiteri | NMLS ID 286890

Texas Consumers: How to file a complaint | Do Not Sell or Share My Personal Information and/or Limit the Use of My Sensitive Personal Information

NMLS License #2185899 – For licensing information, go to: www.nmlsconsumeraccess.org.
Arizona Mortgage Banker License #1038328
1800 W. Larchmont Avenue, Suite 305, Chicago, IL 60613, 855-997-6468

This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in New York will be accepted through this site.

Operating in the state of California as OriginPoint Mortgage LLC in lieu of the legal name OriginPoint LLC. If you are a California resident, please review our Privacy Policy to learn more about the categories and business purpose of personal information we may collect and your right to opt-out from the sale of personal information.

Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Compass, its affiliated brokerages and OriginPoint, LLC share common ownership and because of this relationship, the Compass affiliated brokerage may receive financial and other benefits. You are not required to use OriginPoint, LLC as a condition of purchase or sale of any real estate. Restrictions may apply, contact OriginPoint for current rates and for more information.

Compass, its affiliated brokerages and OriginPoint, LLC share common ownership and because of this relationship, the Compass affiliated brokerage may receive financial and other benefits. You are not required to use OriginPoint, LLC as a condition of purchase or sale of any real estate.