Loan Resources

We understand that one of the biggest challenges to buying a home is coming up with the down payment. That's why we have created this page to provide you with a comprehensive guide to the various down payment assistance programs available in your area. Whether you're a first-time homebuyer or simply looking to reduce your upfront costs, these resources can help you get the support you need to make your dream of homeownership a reality.

Loan Resources

Pre-Approval Letters

Learn more about Pre-Approval Letters by watching a video (Click HERE) from Jayson Stebbins of Guild Mortgage in Morgan Hill.

Rate locks and extensions

Learn more about rate locks by watching a video (Click HERE) from Jayson Stebbins of Guild Mortgage in Morgan Hill.

Approved Lender List

Down Payment Assistance

State Resources

CalHFA Loan Programs

*PLEASE NOTE: NOT ALL OF THESE PROGRAMS WORK FOR A BMR PURCHASE

California Dream For All Shared Appreciation Loan
The California Dream For All Shared Appreciation Loan is a down payment assistance program for first-time homebuyers to be used with the Dream For All Conventional first mortgage for the down payment and/or closing costs.

MyHome Assistance Program
CalHFA Government Loans (FHA): MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3.5% of the purchase price or appraised value to assist with down payment and/or closing costs.

CalHFA Conventional Loans: MyHome offers a deferred-payment junior loan of an amount up to the lesser of 3% of the purchase price or appraised value to assist with down payment and/or closing costs.

CalPLUS FHA Program: The CalPLUS FHA program is an FHA-insured first mortgage with a slightly higher 30-year fixed interest rate than our standard FHA program and is combined with the CalHFA Zero Interest Program (ZIP) for closing costs.