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Saturday, August 8, 2020 2:34 AM 
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Welcome Home Buyers
Our agency helps people with modest incomes achieve the American dream of home ownership. Our loan products feature low or no downpayments, below-market interest rates and other features that make it easier for you to buy a home.

Please be aware this is only a qualification for the program itself. You still must contact a certified lender to find out if you will qualify for a mortgage loan. If you elect to send this pre-qualification electronically to any of the three certified lenders that you select, you should receive a phone call or email from at least one of them within 48 hours. If you don’t hear back from one of the lenders within this time frame, you can call them directly, utilizing the list of certified lenders posted on our website.
Below you will find a list of our available loan programs.
CONV. - CAL Over 80% AMI
Program TypeRate(s)
Fixed Rate4.0%,  4.5%,  4.875%
 
CONV. - CAL Under 80% AMI
Program TypeRate(s)
Fixed Rate3.5%,  4.0%,  4.375%
 
CONV. - NON CAL Over 80% AMI
Program TypeRate(s)
Fixed Rate3.25%,  3.75%,  4.125%
 
CONV. - NON CAL Under 80% AMI
Program TypeRate(s)
Fixed Rate2.75%,  3.25%,  3.625%
 
CONV. TARGETED - CAL Over 80% AMI
Program TypeRate(s)
Fixed Rate4.0%,  4.2%
 
CONV. TARGETED - CAL Under 80% AMI
Program TypeRate(s)
Fixed Rate3.5%,  3.7%
 
CONV. TARGETED - NON CAL Over 80% AMI
Program TypeRate(s)
Fixed Rate3.25%,  3.45%
 
CONV. TARGETED - NON CAL Under 80% AMI
Program TypeRate(s)
Fixed Rate2.75%,  2.95%
 
GOVERNMENT - CAL
Program TypeRate(s)
Fixed Rate0.0%,  3.25%,  3.75%,  3.8%,  4.0%,  4.125%
 
GOVERNMENT - NON CAL
Program TypeRate(s)
Fixed Rate0.0%,  2.5%,  3.0%,  3.375%
 
GOVERNMENT TARGETED - CAL
Program TypeRate(s)
Fixed Rate0.0%,  3.25%,  3.5%
 
GOVERNMENT TARGETED - NON CAL
Program TypeRate(s)
Fixed Rate0.0%,  2.5%,  2.75%
 
NEXT STEP CONV. - CAL Under 80% AMI
Program TypeRate(s)
Fixed Rate0.0%,  3.625%,  4.75%
 
NEXT STEP CONV. - NON CAL Under 80% AMI
Program TypeRate(s)
Fixed Rate0.0%,  2.75%,  4.0%
 
NEXT STEP CONV. CAL Over 80% AMI
Program TypeRate(s)
Fixed Rate0.0%,  4.25%
 
NEXT STEP CONV. NON CAL Over 80% AMI
Program TypeRate(s)
Fixed Rate3.0%
 
NEXT STEP GOVERNMENT - CAL
Program TypeRate(s)
Fixed Rate0.0%,  3.375%,  4.125%
 
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