CalFHA Is Here to Help!
CalFHA provides FHA financing for first time home buyers as well as borrowers who have previously purchased a home. Qualified home buyers may be eligible for up to 100% home financing! Our FHA mortgage loans featuring low down payments and flexible guidelines make it easier for buyers to qualify and to finally own that dream home! Our California FHA loan programs are popular with first time home buyers but they can be equally attractive to move-up buyers and homeowners looking for a second home or investment property. But we don’t just serve the needs of homebuyers! We offer several refinance loan products including the popular FHA streamline refinance. For senior homeowners with equity, we also provide reverse mortgages to enable them to tap into their equity and never make a mortgage payment again. Now you may apply for an “EZ Qualify” FHA loan online 24 hours a day… and you may get your home loan answers quickly and easily! Please complete the short form to the right, and an FHA consultant will contact you to answer your questions and to discuss your options.
No Obligation Required!
Complete the information below, and a representative will contact you to discuss the programs and options available to you.
Benefits of FHA Financing
FHA loans are government (HUD) insured mortgage loans. Borrowers pay for the mortgage insurance, but in return benefit from easier qualification guidelines including lower credit score requirements, higher debt ratios, and acceptance of alternative credit. Many home buyers that do not have a down payment of 20 percent or excellent credit find that FHA loans enable them to purchase a home while not being able to qualify for conventional loan programs.
With increasing rents in California, it is now possible to have a mortgage payment less than a rent payment for a similar property within a similar area. California FHA loans were created to make it easier to transition from renter to homeowner.
To find out if you qualify for an FHA loan now, submit your information on the form above and one of our CalFHA counselors will contact you to discuss what programs might be available.
Do You Need Down Payment Assistance?
It’s easier than ever to purchase a home with our EZ Qualify Down Payment Assistance Program. Home Buyers who qualify may purchase a single family house, condo, or townhome and receive 3.5% down payment assistance. To qualify, you must meet the following criteria:
- Credit Score of 620 or Above
- No Foreclosures, Bankruptcies or Short Sales within the Past 3 Years
- Ability to Prove Income
- Ability to show tax returns for past 2 years
- Debt to Income Ratios within FHA Guidelines
- Underwriting Approval
You will not be disqualified on this program if you make an income above the county average income, as this program was developed as a way to assist a greater number of home buyers. Sound exiting? It Is! Complete the information form on this page and get ready to learn more and begin the process.
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