Payment Options

This tab provides information on where and how you can make payments on your first and subordinate loans; and how to request and submit payoffs on any of your CalHFA serviced loans.

First Mortgage Payment Options:

Payment Options Available:

• CalHFA Automated Mortgage Payment (CAMP) Service

• Online Payments
  • Using the federal banking ACH drafting system, this feature will allow you to set up electronic funds transfers from your checking or savings account to make your monthly payment. You are able to draft just a monthly payment or multiple payments over a three month period. There is no fee for this service.
  • Funds must be in your account on the day of the drafting or your financial institution may charge you with an insufficient funds fee and the drafting will reject.

• Mail your payment (for First Mortgages only)

  Mailing Address CalHFA P.O. Box 13819 Sacramento, CA 95853

  Overnight Courier & Subordinate Address CalHFA 1040 Riverside Parkway, Suite 110 West Sacramento, CA 95605

• Check by phone
  • Using the check drafting payment system, you can make a payment over the phone and it will usually be applied to your account the same day or the next business day. You can also direct us to process your payment on a date later in the month. 
  • To make your payment today call us at 800.669.1079. Calls must be received before 4:30 p.m. Pacific Time to be processed the same day on the late charge day, or the last working day of a month.
    
    NOTE: Call volumes are very high on the late charge day and last working day of the month so you should call at least a day or two before and schedule your check for the late charge day or last working day.

• If Certified Funds Are Required
  • Funds are considered certified if they are a money order, cashier’s check, check from a title company, or funds transmitted via Western Union Quick Collect (use city code: Housing).
  • Certified funds are required when:
    • More than two (2) checks have been returned in a 12 month period
    • A payment is received, which may include additional principal that exceeds more than three (3) times the regular monthly payment amount
    • A payoff of either the first mortgage or any subordinate loans
    • A subordinate payment is greater than $1,000

First Mortgage Payment Questions:

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Second/Subordinate Payment Options:

Payment Options Available:

• Mail your payment

  Overnight Courier & Subordinate Address CalHFA 1040 Riverside Parkway, Suite 110 West Sacramento, CA 95605

• Check by phone
  • Using the check drafting payment system, you can make a payment over the phone and it will usually be applied to your account the same day or the next business day. You can also direct us to process your payment on a date later in the month. 
  • To make your payment today call us at 800.669.1079. Calls must be received before 4:30 p.m. Pacific Time to be processed the same day on the late charge day, or the last working day of a month.
    
    NOTE: Call volumes are very high on the late charge day and last working day of the month so you should call at least a day or two before and schedule your check for the late charge day or last working day.

• If Certified Funds Are Required
  • Funds are considered certified if they are a money order, cashier’s check, check from a title company, or funds transmitted via Western Union Quick Collect (use city code: Housing).
  • Certified funds are required when:
    • More than two (2) checks have been returned in a 12 month period
    • A payment is received, which may include additional principal that exceeds more than three (3) times the regular monthly payment amount
    • A payoff of either the first mortgage or any subordinate loans
    • A subordinate payment is greater than $1,000

Subordinate Payment Questions: