California First Time Home Buyer Programs

Folsom First Mortgage Programs

Sacramento first time home buyer
first time buyer

Folsom Down Payment Assistance

Government loans

CalHFA FHA Loan Program
CalHFA FHA Program: An FHA-insured loan with a CalHFA fixed rate first mortgage for 30 years.

CalPLUS FHA Loan Program
CalPLUS FHA is an FHA-insured FHA first mortgage. It has a slightly higher 30-year fixed interest rate than our standard FHA program and is combined with CalHFA Zero Interest Program ZIP for closing costs.

CalHFA VA Loan Program
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.

CalHFA USDA Program
CalHFA USDA Program is a USDA Guaranteed First Mortgage Loan Program. It can be combined with MyHome Assistance Program (MyHome). This is a fixed-interest 30-year first mortgage.

Conventional loans

CalHFA Conventional Loan Program
CalHFA Conventional is a first mortgage loan that is insured by private mortgage insurance on a conventional market. The 30-year term of the CalHFA Conventional has a fixed interest rate.

Conventional Loan Program
CalPLUS Conventional is a conventional first-mortgage with a slightly higher 30-year fixed interest rate than our standard program. It is combined with CalHFA Zero Interest Program, (ZIP), to reduce closing costs.

Programs for Down Payment Assistance

Many Folsom first-time homebuyers face the biggest hurdle: the money to put down or the down payment for your home loan. CalHFA offers many options for closing cost and down payment assistance. This type of assistance is sometimes called a subordinate or second loan. CalHFA‘s Subordinate Loans are called “Silent Seconds”. This means that you don’t have to pay any monthly payments until your home is sold or refinanced. This allows you to keep your monthly mortgage payments affordable.

MyHome Assistance Program
CalHFA Government loans (FHA): myHome offers a junior loan with a deferred payment of up to 3.5% of the purchase price. This is to help with closing costs and down payments.

CalHFA Conventional loans: MyHome provides a junior loan with a deferred payment of up to 3% of the purchase price, or the appraised value, to help with closing costs and down payments.

Forgivable Equity Builder loan
Family wealth can be built and passed on through home equity. CalHFA is dedicated to increasing homeownership access for all Californians. First-time homebuyers can get a Forgivable Equity Builder Loan to help them build equity in their home. This loan is forgiven if they continue to live in the home for at least five years.

Forgivable Equity Builder Loans are subordinate loans that can be forgiven and may only be used in conjunction with a CalHFA mortgage.




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Folsom Down Payment





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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, and surrounding areas. ʼ

Northern and Southern California First-Time Homebuyer Programs


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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. |
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