CALHFA Program Reviews

BY: Jason Whigham
June 19, 2023


CalHFA VA Program

Sacramento first time home buyer
first time buyer

Program Eligibility | Interest Rate | Homebuyer Education | How to Apply CalHFA VA is a VA-insured program that offers a CalHFA fixed rate first mortgage. This is a fixed-interest rate first mortgage with a 30-year term. You can review the following sections to learn more about CalHFA VA. CalHFA VA Program  

Program Eligibility

To determine whether you are eligible for the CalHFA VA Program, please review the guidelines for Borrower as well as Property Requirements. Borrower Requirements
  • You must live on the property as your primary residence. Non-occupant co-borrowers are prohibited.
  • CalHFA borrowers need to complete homebuyer education counseling. They also need to obtain a certificate from an eligible homebuyer counseling agency.
  • This program must meet CalHFA Income Limits
  • A valid certificate of eligibility must be presented in accordance with VA guidelines.
*If there are conflicting guidelines, the lender should follow the stricter. Property Requirements
  • You can be a single-family residence with one unit, and include approved condominium/PUDs
    • In-law quarters, granny units, and guest houses may be eligible
  • Manufactured housing cannot be permitted
  • Condominiums need to meet the guidelines for the first mortgage
*In the event of conflicting guidelines the lender must adhere to the stricter.


CalHFA VA Program


Interest Rate

What's the interest rate? Your financial situation, lender fees, among other factors, will affect the interest rates you pay. Rates can change daily. To get a precise rate quote, we recommend you speak with a CalHFA-mortgage broker that can facilitate this program . CalHFA doesn't lend money directly to customers. CalHFA uses approved lenders to help consumers qualify and make mortgage loans. The fees that you pay may vary depending on which lender or program you are using. See an example of Annual Percentage Rates (APRs).  

CalHFA VA Program


Homebuyer Education Requirement

CalHFA believes that homebuyer counseling and education are crucial to homeowner success. It requires first-time homebuyers to receive homebuyer counseling through a CalHFA program. Who must take this Homebuyer Education & Counseling course? Only one can be a first-time borrower for each loan transaction. How can I enroll in this counseling and education course?
    • ONLINE eHome's eight hour Homebuyer Education Counseling course is the only course that CalHFA accepts online. Frameworks and HomeView online courses are not accepted by CalHFA because they don't offer a 1-on-1 counseling session.
  • INPERSON or VIRTUAL Live Homebuyer Education & Counseling in-person, or virtually through NeighborWorks USA or any approved Housing Counseling Agency(Fee: This varies from agency to agency. Call Jason Whigham to get the details, most counseling can be done virtually online. This is for your convenience).

CalHFA VA Program


How to Apply

How can I apply for this loan program? CalHFA is not an agent lender. Our mortgage products are provided by private loan officers who have been trained and approved by our Agency. These loan officers are available to help you learn more about CalHFA's programs, and guide you through your home-buying process. To contact a loan officer near you, visit the Find A Loan Officer tab. What documents do I need to have with me when I contact a loan officer? This list of documents and information can be helpful for answering any questions you might have when you first contact a loan officer.
  • Pay stubs
  • Statements from banks
  • History of employment
  • Tax returns from the past
  • CalHFA VA Program
    CalHFA VA Program


    Roseville 38.75212-121.28801 El Dorado Hills Citrus Heights, Antelope, Rocklin, Sabre City, Whitney, Orangevale, Foothill Farms, North Highlands, Granite Bay, Hidden Valley, Walerga, Loomis, Fair Oaks, Folsom, Folsom Junction, McClellan Park, Natoma, Gold River, Alder Creek, Nimbus, Penryn, Carmichael, Rio Linda, Lincoln, Elverta, Lakeridge Oaks, Citrus, Riego, Soudan, Lakeshore, Prairie City, Summit Village, Robla, Del Paso Heights, Clayton, Virginiatown, Lake Hills Estates, Marina Village, Counsman, Hidden Valley, Arcade, Town and Country Village, Rancho Cordova, Bombay, Waterford Village, Arden-Arcade, Winterhaven Village, Sankey, Franciscan Village, Ben Ali Sacramento Mortgage Brokers

Leave a Reply

Your email address will not be published. Required fields are marked *

Get started in minutes...

Speed matters. Which is why you can start your estimate today. Without affecting your credit score.
Won't affect your credit score.


Call Customer Service: 916-413-3967
Mon-Fri 8:00 AM – 6:00 PM PST
Sat 9:00 AM – 12:00 PM



Call Customer Service: 916-413-3967
Mon-Fri 8:00 AM – 6:00 PM PST
Sat 9:00 AM – 12:00 PM

Mortgage Brokers for CA First-Time Homebuyers

Team Whigham serves all of California, including Sacramento, Roseville, Folsom, El Dorado Hills, Rocklin, Davis, Granite Bay, Loomis, Auburn, El Dorado, Placer County, El Dorado County, Sacramento County, [cities count="50"] and surrounding areas. ʼ

Northern and Southern California First-Time Homebuyer Programs


  • First Time Home Buyer California
  • Down Payment Assistance In California

© 2024 Brought to you by Jason Whigham - Barrett Financial L.L.C. Loan Officer In Sacramento, CA, NMLS# 1448396
Privacy Policy | Terms of Use | Accessibility Disclaimer

California Areas Serviced

Call My-Down Payment Assistance 916-413-3967 - Team Whigham service all of Northern California and Southern California! Some areas included are: Sacramento | Natomas | Rosemont | Galt | New Castle | La Riviera | Rancho Cordova | Cameron Park | Fabulous Forties | Florin | Foothill Farms | Orangevale | Rio Linda | Elverta | Citrus Heights | Folsom | El Dorado Hills | Carmichael | Roseville | Lincoln | Loomis | Lodi | Antelope | Auburn | Granite BayWest Roseville | Sun City Lincoln | Sun City Roseville | Auburn | Penryn | Gold River | Land Park | East Sacramento | Elk Grove| Pocket Area | Davis | Woodland | Contra Costa County | San Francisco County | Antelope | San Diego County |  Alameda County | Yuba City | Ione CA | Jackson CA | North Highlands | Los Angeles County| Orange County | Long Beach | Los Angeles County | Placer County | El Dorado County | Amador County | San Diego County | San Bernardino County | Orange County | Alameda County | Sacramento County and many more in the Northern California and Southern California area.

Jason Whigham | NMLS #1448396 | Barrett Financial Group, L.L.C. | NMLS #181106 | 2314 S Val Vista Dr, Suite 201, Gilbert, AZ 85295 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. |
Skip to content