Loan Officers

CalHFA uses a network of hundreds of loan officers to help market and sell its loan products to low and moderate income homebuyers. These loan officers must work for one of our CalHFA Approved Lenders or broker loans through them. We have a Preferred Loan Officer program for our superstars, as well as marketing materials to help spread the word about the work we do. Please browse around for more information.

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Homeownership Leads Program

The California Housing Finance Agency receives hundreds of phone calls and web hits every month, and in the past has directed callers and web visitors to branch offices of CalHFA Approved Lenders. In order to better serve potential first-time homebuyers, CalHFA has implemented the CalHFA Homeownership Leads Program to direct callers to qualified CalHFA Loan Officers.

Visit the Lead Program page for details.

Sales Tools & Marketing Materials

CalHFA produces many collateral pieces to both inform first-time homebuyers and help our lending partners with the CalHFA process.  Many of the pieces are in downloadable format for convenient printing.  You may also request large quantities from our Marketing division, although we ask that you pay for shipping.  Take a look at what we have to offer!

Visit the Sales Tools & Marketing Materials page for details.

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HOMEBUYER EDUCATION

Nonprofit Home Counseling Agencies are a critical component for homeownership. Many first-time home buyers often need education on the steps required to make a successful loan application to qualify for a mortgage.   Nonprofit Home Counseling Agencies can provide assistance in learning about homeownership, its benefits, and requirements. In some cases, individuals may have poor, or no credit history, and may not be familiar with the mortgage lending process and required home maintenance activities.

Some individuals may only need to attend an introductory class on homeownership, while others may require up to two years of one-on-one counseling to repair credit or reduce existing debt before they are ready to submit an application to a lender. Education and counseling can be crucial in helping an individual or family become and remain a homeowner.

Because CalHFA firmly believes that homebuyer education is critical to the success and happiness of a homeowner, homebuyer education is required on all first-time homebuyer programs that CalHFA offers. We will accept homebuyer education counseling certificates online, in-person, or by phone. Here are some examples of providers:

• Freddie Mac Homebuyer Counseling Counselors/Administrators Search
  
• HUD-approved Housing Counselors
• NeighborWorks America
• U.S. Department of Housing and Urban Development
  451 7th Street, S.W., Washington, DC 20410
  Telephone: (202) 708-1112 
• Private Mortgage Insurers approved by Fannie Mae. Check private mortgage insurer's web site for homebuyer counseling availability.

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