For more than 35 years, the California Housing Finance Agency (CalHFA) has supported the needs of renters and homebuyers by providing financing and programs that create safe, decent and affordable housing opportunities for low to moderate income Californians. Established in 1975, CalHFA was chartered as the State’s affordable housing bank to make low-interest rate loans through the sale of tax-exempt bonds. CalHFA is a completely self-supporting State agency, and its bonds are repaid by revenues generated through mortgage loans, not taxpayer dollars.

Do I qualify for CalHFA programs?
To determine your eligibility, you can review the information provided under the Borrower Eligibility tab above.

What is the FICO Score requirement?
FICO score requirements will vary for each program, but the minimum score is between 640 and 680, depending on some other factors. A Preferred Loan Officer can assess your financial situation and tell you what score you’ll need to qualify.

What programs are available?
CalHFA offers a variety of first mortgage and down payment assistance programs. You can find details on all of these programs by giving us a call.

What is the interest rate?
Interest rates will vary depending on your financial circumstances, lender fees, and other factors. Interest rates can also change daily. We recommend that you check with us for an accurate rate quote.

What are the income limits?
Income limits vary according to program and the county in which the property is being purchased. It’s best to review the individual Program Descriptions to determine the income limit in your area. You can find the details for income limits by giving us a call?

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