Mortgage Broker Roseville CA

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Call Jason Whigham 916-413-3967 Your independent Mortgage Broker in Roseville California. (Mortgage broker Roseville CA)

Mortgage Broker Roseville CA

Mortgage Broker Roseville CA
Mortgage Broker Roseville CA

Mortgage Broker Roseville CA

Family wealth can be built and passed on through home equity. CalHFA is dedicated to increasing homeownership equality for all Californians. Forgivable equity builders loans give first-time homebuyers an opportunity to build equity in their home immediately. This loan can be up to 10% of the property's purchase price. If the borrower continues to live in the home for at least five years, the loan can be forgiven.

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

Forgivable Equity Building Loan

Program Eligibility

To determine whether you are eligible for the Forgivable equity Builder Loan, please review the guidelines for Borrower as well as Property Requirements. For more information, you can also speak to one of our preferred loan officers.

Borrower Requirements

  • Be a first homebuyer. Refer to the definition of a homebuyer .
  • 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.
  • Fannie Mae sets income limits for each county.
  • For more information, contact one of our preferred loan officers.

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 permits are allowed
  • Condominiums need to meet the guidelines for the first mortgage

Possible Tax Consequences

  • CalHFA loan servicing will issue 1099s to borrowers annually when the loan is forgiven in part. Borrowers are advised to consult their tax advisor.

Forgivable Equity Building Loan

Interest Rate

Mortgage Broker Roseville CA

What's the interest rate?

Forgivable Equity Builder Loans have an interest rate of zero percent. However, you might need to repay a portion of the loan for less than five-year occupants. The interest rates for the CalHFA first loan will vary depending upon your financial situation, lender fees, or other factors. Rates can change daily. To get a rate quote, we recommend you speak with a Roseville preferred loan officer.

Forgivable Equity Building Loan

 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.

Forgivable Equity Building Loan

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



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Mortgage Brokers Roseville CA
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Mortgage Broker Roseville



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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

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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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