California Housing Finance Agency Loans

For more than 35 years, the California Housing Finance Agency (CalHFA) has supported the needs of renters and first-time homebuyers by providing financing and programs that create safe, decent and affordable housing opportunities for low and moderate income Californians. Established in 1975, CalHFA was chartered as the State's affordable housing bank to make low interest rate loans through the sale of tax-exempt bonds. CalHFA is a completely self-supporting State agency, and its bonds are repaid by revenues generated through California mortgage loans, not taxpayer dollars.
In addition to offering innovative affordable housing programs for low and moderate income Californians, CalHFA acts as Servicer for some CalHFA Single Family first loans and all CalHFA Subordinate loans (seconds, thirds, etc.)  As Servicer, CalHFA collects payments, answers loan questions, and works with borrowers who are having difficulty. CalHFA is here to make California home loans as smooth as possible.
CalHFA understands that buying your first home is a huge responsibility; it is also a huge opportunity. Owning your home means you can paint the walls with your favorite color, plant flowers and vegetables if you choose and plant the seed for an investment in your future.
Of course, before you leap into all of the benefits of homeownership, you should get prepared first. First Cal is a CalHFA lender with experts on mortgage rates in California, so to help you get ready and get the most out of CalHFA’s loan programs and assistance, follow these easy steps.

Step 1

There are ten tips that every first-time homebuyer should know. We suggest you review these guidelines so you'll be well-prepared for finding and financing your first home.

Step 2

Find out which programs you might qualify for by clicking on the Borrower & Property Eligibility tabs above.

Step 3

Once you know which programs you could be eligible for (from Step 2), find all the details for each program by clicking on the Loan Programs tab above.

Step 4

Now it's time to start talking to an expert. CalHFA teams up with a number of approved loan officers who know all about our programs, financing, documentation, eligibility and other details. Click on the Find a Loan Officer tab above to find contact information for a Loan Officer in your area.


Contact one of our specialists to start building a plan for your future.

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  • As a first time homebuyer I had a lot of questions about the loan proccess. I was so surprised at how easy First Cal made the whole process feel and how quickly they got all of our documents submitted so that we could get into our new home

    - Kathleen

  • Heather

    Thank you so much for going above and beyond to help us close on our first home. We truly appreciate all the efficient communication and taking the extra time in answering all of our questions. The house is just perfect and we couldn't have done it without all of you.

    - Heather and Stephen Chiaro

  • Being a first time home buyer I had a ton of questions and wanted to close the best loan I could. First Cal helped me every step of the way by providing a loan officer that answered every question and held my hand through the process. They closed my loan in less than 30 days and got me the best rate of any company out there.

    - Heather

  • Kristin

    They did an excellent job on my refinance. Glad to know there's integrity out there

    - Kristin McCutcheon