Los Angeles First Time Home Buyer Program

Book The Best Mortgage Broker Jason Whigham 
Los Angeles First Time Homebuyers Program 916-413-3967

CalHFA realizes that buying your home is a big decision. However, CalHFA also recognizes the opportunity. The best part about owning your home is that you can paint the walls in your preferred color and plant flowers and vegetables, as well as the seeds to make an investment in the future.

Be prepared before you dive into the wonderful benefits of homeownership. These are the steps you need to follow in order to get the most from CalHFA’s loan programs.

Los Angeles First Time Home Buyer Program - CalHFA - Your Steps to Ownership

Read about CalHFA’s financial options and eligibility criteria.

A majority of people borrow the large sum they need to purchase a property. This type is known as a mortgage loan. A junior loan is a mortgage loan that helps with closing costs and down payment.

 

CalHFA offers first- and junior loan options to low to moderate-income families. This includes low to zero interest down payment assistance loans. CalHFA cannot accept loan application directly. CalHFA approves Lenders to help you qualify for a home mortgage. To apply, you'll need to contact one of our Preferred Lenders or approved Lenders. (See Step 2). To find out more about CalHFA mortgage loan programs, click the " Programs" tab.

1. It's also worth looking at our income limitations and other eligibility criteria. Our Eligibility Calculator is another option to find out which programs you are eligible for.

Check with your local housing agencies and authorities to find out about other financing options.

Contact a CalHFA Preferred loan Officer to get prequalified for a loan amount.

You will need to find out if your CalHFA home loan is available to you. Next, speak with a loan officer and get prequalified to see if you're eligible. To help you determine your financial standing before you contact one Preferred Loan Officer, you may also use a Prequalification Calculator. To contact a local loan officer, click on " Search for a Loan Office".

Take a course on homebuying if you're a new homebuyer.

Pre-qualified homebuyers must complete a homebuyer training course if they are first time homebuyers. This education will help to you understand the responsibilities of homeownership. CalHFA requires that your loan officer produce your certificate proving completion from one the following entities to qualify for a home loan.

• • ONLINE: Take eHome's eight-hour Homebuyer Educational course online
    (fee: $99)

 

• IN-PERSON : Face-to–face Homebuyer Education through NeighborhoodWorks America, or any HUD–Approved Housing Counseling agency
  (Fees: vary by agency)

Get started looking for a place to call home.

Ask your local West Los Angeles Realtor Jenifer Whigham for assistance 916-370-6584. Get Free Home Searching Mobile App to review homes that are right now on the market and it is up to date: 

Once you have found the right home, contact your realty agent to make an offer. Congratulations if your offer has been accepted. If your offer is accepted, congratulations!

 

Los Angeles First Time Home Buyer Programs - Frequently Asked questions (FAQs)

1. Can I be eligible for CalHFA's programs?
   You can find out your eligibility by calling Los Angeles Mortgage Broker Jason Whigham 916-413-3967. 
2. What is the Credit Score requirement
   There are different requirements for credit score. But the minimum score depends on what program you choose. A Prefer Loan Officer will evaluate your financial situation, and then tell you the minimum score required to be approved.
3. What programs are available to you?
   CalHFA offers various first mortgage assistance programs. The Loan Programs tab provides details about all of these programs.
4. What is your interest rate?
   

   The financial status of your borrower, the lender fees and other factors will impact how much interest you receive. Interest rates can change frequently. We recommend that loan officers get an accurate rate quote.

5. What are the income limit?
   Income limits are different depending on where the property is purchased and what program it is. For information about your local income limits, you should review each Program Description. You will find information about income limits in each Program Description.
6. CalHFA has sales price limits for the home that I am interested in buying.
   CalHFA does NOT have sales price caps

 

• Call Independent Mortgage Broker in Los Angeles County 916-413-3967. Los Angeles First Time Home Buyer Program is changing lives and bridging the gap to homeownership in Los Angeles County.
• Connect on Facebook and Join California Down Payment Assistance Group: Facebook Page: https://www.facebook.com/downpaymentassistancecalifornia Facebook Group: https://www.facebook.com/groups/californiadownpaymentassistance

 

West Los Angeles

White Rock, Springfield Meadows, Clarksville, Mather Field, Crescent Ridge Village, Park Village, La Cresta Village, Rosemont, Manlove, Prairie City, Ridgeview Village, Mayhew, Rancho Cordova, La Riviera, Oak Ridge Village, Soudan, Citrus, Nimbus, Alder Creek, Green Springs Ranch, Stonegate Village, El Dorado Hills, Governors Village, Gold River, Natoma, Arden Town, Crown Village, Saint Andrews Village, Green Springs Valley, Highland Village, Hickok Ranch, Oak Tree Village, Folsom Junction, Franciscan Village, Green Valley Acres, Hidden Valley, Oak Creek Hills, Carmichael, Arroyo Vista, Folsom, Winterhaven Village, Fair Oaks, Marina Village, Arden-Arcade, Equestrian Village, Lakeridge Oaks, Waterford Village, Manzanita Acres, Arcade, Elvas, Summit Village, Orangevale, Lake Hills Estates, Town and Country Village, Swanston, Zee Estates, North Sacramento, Ben Ali, Hagginwood, Gardenland, Del Paso Heights, Foothill Farms, Citrus Heights, Walerga, McClellan Park, Granite Bay, Hidden Valley, North Highlands, Antelope, Robla, Del Paso, Lakeshore, Sabre City, Roseville, Rio Linda, Bombay, Rocklin, Elverta, Loomis, Penryn, Newcastle, Riego, Ophir, Counsman, Whitney, Gold Hill, Sankey, Virginiatown, Lincoln, Pleasant Grove, Clayton, Catlett, Ewing
34.0464-118.44814

2220 Douglas Blvd #250, Roseville, CA 95661