Residential Mortgage
Loans
FHA & CONVENTIONAL LOAN PROGRAMS
My Home Assistance Program. Are you a first-time homebuyer needing a little help with your down payment or closing costs? We have a program just for you, to meet those needs.
MyHome Features:
- Down Payment or closing costs assistance
- Deferred-payment junior loan
- Low interest rate
Additional Benefits:
MyHome can be combined with any calHFA first mortgage, including, CalPlus with ZIP

DOWN PAYMENT AND CLOSING COSTS ASSISTANCE PROGRAMS
Are you a home buyer looking for a fixed rate mortgage with closing cost assistance combined into a perfect package? CAL PLUS with ZIP are for you.
CalPLUS features:
- A 97% LTV Conventional or 96.5% LTV FHA first mortgage loan.
- 30-year term, fixed interest rate
- Available for Manufactured Housing
ZIP closing cost assistance:
- Zero interest junior loan
- Up to 3% of the first mortgage loan amount in a deferred payment junior loan
Additional benefits:
First-time homebuyers and disaster victims can also add the MyHome Assistance Program, a deferred payment junior loan for down payment and/or closing costs.

USDA & VA PROGRAMS
Are you looking for a rural home away from city life? Or are you a veteran or service member? In either case, are you looking for a fixed-rate mortgage with closing cost assistance combined into one perfect package? Then these loan programs are for you.
Features:
- A 100% LTV First Mortgage loan
- 30-year term, with a flexed interest rate.
Additional Benefits:
First-time home buyers and disaster victims can also add the MyHome Assistance Program, a deferred-payment junior loan for down payment and/ or closing costs, for up to 105% of CLTV.

