California Information
The California Housing Finance Agency understands how much you want to own your first home. We also realize how difficult that can be. That is why we offer low interest rate first mortgage programs and a variety of down payment assistance programs to eligible first-time home buyers, which can turn your dreams of homeownership into reality. If you’d like to contact a CalHFA Homeownership Representative for more information on our programs, call 877.9.CalHFA (877.922.5432).
Consumer Home Mortgage Information - A guide to Mortgage Resources in California.
Foreclosure Counseling – RCAC & CalHFA receive $8 million grant to aid Californians facing foreclosure
Bank-owned Properties For Sale
Visit our Mortgage Calculators section to assist you in estimating your monthly payments, how much you can afford, and how much interest you can save by increasing your mortgage payment. Find more homebuying information at the Consumer Home Mortgage Information Web Site.
The sections below can help you learn more about CalHFA’s unique Homeownership Programs and features.
Program Eligibility Information
Eligibility requirements and general procedures for first-time homebuyers.
Program Descriptions Notice of Temporary Suspension of Some CalHFA Programs
Descriptions of the various loan programs and assistance options available.
SMART Loan Program (select CalHFA-owned properties)
Find a CalHFA Loan Officer in your area
Search for approved loan officers that can help you get started with a CalHFA program.
Homebuyers interested in applying for financing should contact one of CalHFA’s approved lenders or fill out this short questionnaire to have a CalHFA Representative contact you.
Links to other housing organizations
There are a number of other housing organizations that may be able to assist you. The following links are provided for you to use while learning about financing your first home.
- Affordable Housing Partnership Program (AHPP)
- CalHFA Approved Lenders
- California Association of Realtors (CAR)
- California Building Industry Association
- California Consumer
- California Debt Limit Allocation Committee (CDLAC)
- California Housing
- California Housing Partnership Corporation
- California Tax Credit Allocation Committee (TCAC)
- CalPERS
- CalSTRS
- CalVET
- Department of Real Estate (DRE)
- Dept. of Housing and Community Development (HCD)
- Dept. of Housing and Urban Development (HUD)
- Dept. of Veterans Affairs (VA)
- Fannie Mae (FNMA)
- Freddie Mac
- Federal Reserve Bank of San Francisco – Consumer Information and Resources
- Mortgage Banker’s Association (MBA)
*The Home Loan Learning Center – www.homeloanlearningcenter.com - National Council of State Housing Agencies (NCSHA)



