CalHFA works with dozens of partner lending institutions.
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The Single Family Division provides low interest rate home financing to low to moderate income homebuyers in California, as well as down payment and closing cost assistance. This section includes program descriptions, loan forms, interest rates, income and sales price limits and more.
In addition to the information organized in the above tabs, we've also provided a page dedicated to your role in the homebuying process. Visit the page below that best describes your job function to acquire information and tools specifically for you.
File Review Status
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In Suspense |
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Dream For All/ |
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Direct Lenders
CalHFA works with partner lending institutions to offer low interest rate loans to low to moderate income homebuyers. Becoming a CalHFA Approved Lender may take some time, and the time is worth it, both to your bottom line and to your community. We hope you read further about the benefits of becoming a CalHFA approved lender, and what the process entails.
Visit the Direct Lender's Page >>
Loan Officers
CalHFA uses a network of loan officers to help market and sell its loan products to low to moderate income homebuyers. These loan officers must work for one of our CalHFA Approved Lenders. We also administer the CalHFA Single Family Leads Program that recognizes the most knowledgeable loan officers; as well as provide marketing materials to help spread the word about the work we do. Please browse around for more information.
Visit the Loan Officer's Page >>
Brokers
Brokers who work with low to moderate income homebuyers can get access to CalHFA products through CalHFA approved lenders that wholesale CalHFA loans. Brokers may participate in our Preferred Loan Officer program, as well as use any of our marketing materials to help spread the word.
Visit the Broker's Page >>
Real Estate Agents
Real estate agents are often the first point of contact for people purchasing a home, and CalHFA recognizes their importance to homebuying. CalHFA has marketing materials to help your clients make an informed choice about their home loans, and is also proud of its quick turnaround times for loan processing when you have a tight deadline for closing escrow. Please look around this section for more information on how becoming familiar with CalHFA loans can help your business, even with non-first-time homebuyers.
Visit the Real Estate Agent's Page >>
Localities/Nonprofits
One of the most important benefits of using a CalHFA loan for a homebuyer is the access it provides to down payment assistance programs provided by California's local public agencies and nonprofit organizations. CalHFA is eager to form partnerships with local city and county government agencies, as they provide affordable housing inventory and down payment assistance.
Visit the Localities/Nonprofit's Page >>
Loan Scenario Calculator
The Scenario Calculator helps you compare CalHFA loans to determine what loan scenario works best for your client.
News & Updates
Dates for May Lender Training have been posted
Latest Bulletins
Program Bulletin #2024-08 - FHA Limited 203(k) Updates
Program Bulletin #2024-07 - Updated Income Limits for all CalHFA First Mortgages, Dream For All, and MyHome Assistance Program
Program Bulletin #2024-06 - Updated 80% AMI income limits to determine Low Income eligibility
Latest eNews Announcements
eNews 07/02/24: Housing Matters Newsletter - July 2024
eNews 07/01/24: California Housing Finance Agency's Tiena Johnson Hall picked for FHFA advisory committee
eNews 06/28/24: CA Dream For All Vouchers Have Been Issued to 1,700 California Families
eNews announcements can be found on our Archived Page
