California First Time Homebuyer - What you need to know about getting a mortgage

Being a FIRST TIME HOME BUYER can be a very exciting thing.  Buying a home is undoubtedly one of the biggest life changing decisions you will make.  It's critical to have someone you are COMFORTABLE with, someone you TRUST, and someone who is EXPERIENCED to make sure you get the BEST program available and will ensure the process is SMOOTH. 


  • FHA FIRST TIME HOME BUYER - This program requires only 3.5% as a down payment as is a great LOW DOWN PAYMENT MORTGAGE for first time home buyers.  Even if you're not a FIRST TIME HOME BUYER, you may still qualify for an FHA Purchase loan.
  • USDA LOAN PROGRAM - If you're looking for ZERO DOWN PAYMENT HOME LOAN program, this could be a great FIRST TIME HOME BUYER loan program.  There are some restrictions such as the home must be in a rural area and there are income limitations that require your income must be below a certain amount (County specific).  Inquire to see if you & the property qualify by clicking the Apply Now button.
  • GIFT FUNDS - many FIRST TIME HOME BUYERS use gift funds as a way to come up with the down payment and / or closing costs.  We have many LOW CLOSING COST mortgage programs that allow gift funds including both conventional loan programs and FHA loan programs.
  • DOWN PAYMENT ASSISTANCE PROGRAMS - There are still some city sponsored down payment assistance programs available.  There can be income restrictions and other requirements, so please ask your loan officer to see if you qualify for one of these programs.   
  • HOMEREADY® LOAN PROGRAM- This is a Fannie Mae sponsored Government endorsed program with more flexible undewriting guidelines for qualified borrowers and is a great FIRST TIME HOME BUYER program.
Whether you're looking for a 100% financing program, you're a FIRST TIME HOME BUYER, or looking for a LOW OR NO DOWN PAYMENT ASSISTANCE PROGRAM, we have the loan programs to suit your needs.  We have competitive rates in the industry and will exceed your customer service expectations. 

To see what you qualify for, click the Apply Now button below.


Apply Now

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