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Which loan programs does CalHFA still offer?
CalHFA offers three first mortgage loan programs
The Cal30 Conventional loan offers a. This first mortgage loan may also be combined with CalHFA junior loan programs for down payment and closing cost assistance to make owning your first home more affordable.
The Community Stabilization Home Loan Program offers a low interest rate and 100% financing on properties owned by many of our business partners.
The SMART program offers a low interest rate and 100% financing on properties owned by CalHFA.
CalHFA also offers down payment assistance via the California Homebuyer's Downpayment Assistance Program and Affordable Housing Partnership Program.
For detailed information on these programs, please visit our Homeownership Programs page.
CalHFA does not lend money directly to consumers. CalHFA works through and uses approved private lenders to qualify consumers and to make all mortgage loans. CalHFA purchases closed loans that meet CalHFA's requirements. The fees consumers pay could be different depending on the lender and the program.
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