Information for First-Time Homebuyer from the California Housing Finance Agency (CalHFA)

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. To help you get ready and get the most out of CalHFA’s loan programs and assistance, follow these easy steps.

Not a first-time homebuyer?
You may still apply for CalHFA’s first mortgage loans if your property is located in a Targeted Area.

Homeowner and Renter’s Insurance
You may be able to save hundreds of dollars a year on homeowners’ insurance by shopping around.

CFPB Tool – Find a housing counselor
Housing counselors throughout the country can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Using the search box below, you can find one near you. The counseling agencies on this list are approved by the U.S. Department of Housing and Urban Development (HUD) and they can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost to you. This list will show you several approved agencies in your area. There is also a list of nationwide HUD-approved counseling intermediaries.

HUD Office of Housing Counseling and HUD Approved Housing Counseling Agencies
HUD sponsors housing counseling agencies throughout the country that can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Select a list of agencies for each state. You may search more specifically for a reverse mortgage counselor or if you are facing foreclosure, search for a foreclosure avoidance counselor.

Keep Your Home California888-954-KEEP(5337)
Keep Your Home California was developed in collaboration with numerous community partners, foreclosure counselors, housing advocates and others directly involved in helping struggling homeowners. Find out more

Making Home Affordable.gov
An official program of the Departments of the Treasury & Housing and Urban Development.

Homeownership resources from government agencies.

NMLS Consumer Access
Verify a mortgage company or individual. Simply enter the name, company, address, etc.

Reverse Mortgages Is One Right For You?
DRE Reverse Mortgages Is One Right For You? Brochure.

Freddie Mac CreditSmart Consumer Online Training
Freddie Mac CreditSmart Consumer Online Training Build a better financial future. Take our CreditSmart online training course to help you achieve your financial and homeownership goals.

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