Home buyers assistant programs

Visit the Find a Loan Officer tab, to contact a loan officer in your area. What documents should I have ready when contacting a loan officer? When initially contacting a loan officer, you may want to have this list of documents and information available to help answer questions that they will ask you:.

Video: The Viramontes family finds a home, with the help of a great team. CalHFA Sacramento Headquarters Capitol Mall, Ste. Accessibility Certification. Skip to main content. This website requires JavaScript in order to fully function.

Please check your browser settings. If you are interested in a foreclosure-related property, reach out to a licensed real estate agent who will be able to advise you on when the property may be available for purchase.

The down payment and closing costs are low. The FHA doesn't lend money to people. It insures mortgage loans from FHA-approved lenders against default. Search for an FHA-approved lender here.

Find FHA loan products for manufactured mobile homes. Learn more about FHA loans. Your qualifications to buy a HUD home depend on your credit score, ability to get a mortgage, and the amount of your cash down payment. Department of Agriculture is for low-to-median income borrowers buying a home in a rural USDA-eligible location. Veterans are eligible for the VA loan program. No down payment or mortgage insurance premiums are needed, most lenders require a credit score to qualify.

Veterans who are of Native American descent can qualify for a mortgage, renovte, or build a home on Federal trust land. The U. Search for available properties in your area on the HUD Homestore website. FHA loans are popular among first-time homebuyers because of their low down payment and low credit score requirements. A mortgage insurance premium is required for FHA loans regardless of the amount of the down payment, along with an upfront MIP fee of 1.

Conventional loans are insured by private mortgage companies, not the government. Conventional loans are the most common type of mortgage loan used today.