You Have Options!
Although down payment assistance is a fantastic option for many, Ryan will tell you, it’s not for everyone. As the phrase goes, “the devil is in the details”. Sometimes an assistance program won’t allow you to buy at the purchase price desired, or access the preferred area. When this happens, there is always another option.
Ask about our “Hybrid Loan” option. You cover the down payment, and we’ll help cover the rest!
Assistance
Up to 6%, based on the program chosen.
Closing Costs
FHA & Conventional
Get financing with either FHA of Conventional.
Programs Allowed
The Home You Want
Buy a Single Family, Condo or a Manufactured.
Property Types
640+ FICO Required
Credit scores as low as a 640 allowed.
Low FICO
Click on each of the below to discover diverse options available.
Get an inside look at the two largest California DPA Programs!
CalHFA vs Golden State (GSFA)
Side-by-Side
General Qualifications
Some of the most misleading advertisements today are about assistance programs. Most would be led to believe there are hundreds. Additionally, they are advertised as if some are strictly for teachers, only for police officers or another specific trade...
We are dedicated to removing the misrepresentation of these programs and always shoot you straight.
640+ Credit Score
640 minimum FICO scores are required for ALL buyers on a “DPA” loan. The minimum score rule applies to all signers.
Self Employed Okay
Self employed buyers are allowed! Qualifying is based on two years of filed taxes, net income.
Repeat Buyers
You can qualify if it’s your second property with some programs. However, not all programs restrict you to just one home.
First Time Buyers
Some programs require that you’re a first time buyer, some don’t. We will help identify which best fits your situation.
Primary Residence
You must occupy the property as your primary residence. Not allow for second or investment homes.
1 Unit Requirement
Some programs only allow a 1-unit, condo or Manufactured home. Others will allow 2-4 units in certain situations.