Always Hot

Affordable Housing Partnership Program (AHPP)
A joint effort by CalHFA and cities, counties, redevelopment agencies and housing authorities whereby a deferred payment subordinate loan from a locality is utilized by the first-time home buyer to assist them with down payment and/or closing costs.

California Home buyer's Down payment Assistance Program (CHDAP)
Offers a deferred-payment junior loan of an amount up to the lesser of three percent (3%) of the purchase price or appraised value. No payments till the home is sold.

Extra Credit Teacher Home Purchase Program (ECTP)
A below market interest rate CalHFA first loan, together with a forgivable interest CalHFA junior loan to assist eligible teachers, administrators, staff members and classified employees to purchase their first home.

High Cost Area Home Purchase Assistance Program (HiCAP)
Designed to assist first-time home buyers in the highest housing cost areas of the state.

Home ownership In Revitalization Areas Program (HIRAP)
This program has been cancelled

School Facility Fee Down Payment Assistance Program (SFF)
A conditional grant program that provides assistance to buyers of newly constructed homes throughout California.

HUD - Section 8 Housing Choice Voucher Program
Enables qualified first-time home buyers to receive monthly assistance for home ownership expenses in lieu of monthly rent aid. This can be combined with other assistance programs. Editor's note: Certain localities are more favorable to home buyers than others.

Seller assisted third party company helps the buyer with down payment and closing costs. This is very Hot.

4% of sales price grant for down payment, closing costs or to pay off mi (hot)

Please talk with us first on the phone and set a time to sit down and meet with a professional to let us show you how we can save you time, headaches and money on your next transaction.

The three most critical questions:

• Did you know that every area in California receives millions of dollars from taxpayers to help people buy homes? A wide array of down payment assistance programs from local, state, federal government, charity and private programs can often net buyers and sellers tens of thousands to (in some cases) over $200,000.00. These frequently are in the form of super low interest 2nd mortgages that require no payments until the home is sold.

• Would you risk your financial security or that of your family on a loan or real estate company that didn't know about these programs, didn't advertise them up front, didn't talk about them, or promote them?

• With the Department of Health and Human Services estimating that 95% of people at retirement age will either be dependent(living off family), or working for survival, don't you owe it to yourself to at least call for a free consultation? (toll free 800-280-1453)

Every city and county has hidden treasure for home buyers. We want to get it for you. That is our mission. Others don't, they don't want to do their homework. We do the work for you with no up front fees or charges.