CalHFA Home Loan Program

CalHFA Home Loan Program

The CalHFA offers a wide range of first-time homebuyer loan programs that work for both conventional and government-issued loans. They provide access to fixed-rate loans and the options to roll in down payment and closing cost assistance.  These include:

  • A minimum credit score of 660
  • A debt-to-income ratio below 45%
  • Must meet specific income requirements based on your location in California
  • Must be a first-time homebuyer (this means no homeownership within the last 3 years)
  • Must be a U.S. citizen, permanent resident, or qualified alien
  • Attend a home buying counseling course and provide a certificate of completion

In addition, the CalHFA Home Loan Program have requirements when it comes to the property you are looking to purchase. These can include:

  • Sales price must be less than $970,800
  • Property must be located in California
  • Property must be used as a primary residence
  • Property must be a single-family home, though some condos and manufactured homes may be considered
  • No land trusts or leaseholds

Once these requirements are met, there are different programs under CalHFA that you may be eligible for.

For more information call Abdi Mohammadian NMLS # 356391 at 925-785-7851, or contact me here.


Abdi Mohammadian NMLS# 356391

Licensed by The Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. NMLS# 1141
MasonMac Corporate

Mason-McDuffie Mortgage Corporation

Office: (925) 785-7851

12647 Alcosta Blvd
Suite 300
San Ramon, CA 94583


Not a commitment to lend. Rates and terms subject to change without notice. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Act No. 4130968; AL #22653; AR #32700; AZ #1015403; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance;Licensed by the Minnesota DOC #MN-MO-1141; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759. NMLS #1141.