Residential Mortgage
Loans

FHA & CONVENTIONAL LOAN PROGRAMS

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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.