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mortgages Buying a Home - California Real Estate

Buying a Home - California mortgages, down payment assistance and first time home buyer grants for buying California real estate.

Research the available California mortgages and home loan programs for buying California real estate.

Add to Favorites for your home buying reference and email this page to the next person you know who will be buying California real estate.  


Government grants for buying a home

Here are some links for government grants for buying a home in California.

Questions regarding government grants for buying a home.

Feel free to email us any questions you have regarding the government grants for buying a home listed below. Click here to email your government grant question.

Government Grants

Clearinghouse for affordable housing and community finance resources - a source of information on over 200 housing programs, government, private lenders and foundation grants
http://www.hcd.ca.gov/clearinghouse/

State of California Housing and Community Development
http://www.hcd.ca.gov/

HUD approved housing counseling agencies - housing counseling agencies provide pre-purchase counseling and can help you learn more about homeownership programs

Programs sorted by city

City of Alameda - first-time homebuyer programs http://www.alamedahousing.com/hsg_asst.html

City of Belmont - homebuyer assistance program
http://belmont.gov/localgov/comdev/hbap.html

City of Calexico - First Time Home Buyer Help http://www.calexico.ca.gov/1st_time_home_buyer_help.htm

City of Carlsbad - Housing and Redevelopment Dept. (Helping People To Achieve Their Dream)
http://www.ci.carlsbad.ca.us/cserv/housing.html

City of Chula Vista - Community Development Department / Housing
http://www.ci.chula-vista.ca.us./comdev.htm

City of El Cajon - homebuyer assistance and first-time homebuyer programs
http://www.ci.el-cajon.ca.us/dept/comm/housing/homebuyer.asp

City of El Centro - Buyer's Guide - First Time Home Buyer Program http://www.cityofelcentro.org/redevelopment/homebuyer.html

City of Encinitas - First-time Homebuyer Assistance http://www.ci.encinitas.ca.us/City_Services/CD/subdivisions/Housing_cdbg.htm

City of Escondido - Housing Division / First Time Home Buyer Programs http://www.ci.escondido.ca.us/citygov/depts/planning/housing.html

City of Fairfield - first-time homebuyer programs
http://www.ci.fairfield.ca.us/planning/first_time_buyers.htm

City of Fresno - Department of Housing and Neighborhood
http://www.ci.fresno.ca.us/hnr/

Down Payment Assistance Program
http://www.fresno.gov/hnr/dap.htm

Low Income Homebuyer Program
http://www.fresno.gov/hnr/lihp.html

City of La Mesa - Housing, Transit and Redevelopment / Housing Programs http://www.cityoflamesa.com/Departments/CommunityDevelopment/HousingPrograms.htm

City of Menlo Park - first-time homebuyer loan program http://www.ci.menlo-park.ca.us/dept/housing/pal.htm

  City of National City - Community Development Commission / First-time Homebuyers http://www.ci.national-city.ca.us/

City of Oceanside - Home Buyer Program http://www.ci.oceanside.ca.us/Housing/homebuyerprogram.asp

City of Pittsburg - down payment assistance program
http://www.ci.pittsburg.ca.us/

City of Redding - down payment assistance program http://www.ci.redding.ca.us/housing/dap1.htm

City of Richmond - affordable housing programs
http://www.ci.richmond.ca.us/housing/affordablehousing.htm

City of Rohnert Park - first-time homebuyer program http://www.rpcity.org/services/first.cfm

City of Santee - First Time Home Buyer Program
http://www.ci.santee.ca.us/dhr/fthb.htm

City of San Diego - housing commission first-time homebuyer programs
http://www.sdhc.net/

City of San Jose - homebuyers assistance programs
http://www.sjhousing.org

San Jose Teacher Homebuyer Program
          http://www.sjhousing.org/program/thp.html

City of San Pablo - first-time homebuyer program
http://www.ci.san-pablo.ca.us/

City of Sonora - homebuyers assistance program http://www.sonoraca.com/Community/home_buyer_program.htm

City of Vallejo - homebuyer assistance programs
http://www.ci.vallejo.ca.us/

City of Vista - Redevelopment and Housing
http://www.ci.vista.ca.us/gov/redev/services.htm

Programs sorted by county

Alameda County 
http://www.co.alameda.ca.us/

Amador County 
http://www.co.amador.ca.us/

Calaveras County - housing rehabilitation program 
http://www.co.calaveras.ca.us/departments/admin/housing.html

Fresno County

  Fresno Housing Authority Homeownership Programs
  http://www.hafresno.org/housing/hombuy.shtml

  Fresno County Affordable Housing Program Application 
  http://www.fresno.ca.gov/4360/forms/com_dev/Form%2015.pdf

  Fresno County Housing Assistance Rehabilitation Program
  http://www.fresno.ca.gov/4360/forms/com_dev/harp/FORM23.pdf

  Fresno County Downpayment Assistance Program Application
  http://www.fresno.ca.gov/4360/forms/com_dev/Form%201.pdf

  Self Help Enterprises - local homebuyer programs
  http://www.selfhelpenterprises.org/

Kern County 

 Kern County - housing, development and rehabilitation opportunities
 http://www.co.kern.ca.us/cd/cdhome.asp

 Self Help Enterprises - local homebuyer programs
 http://www.selfhelpenterprises.org/

Kings County

  Kings County - first-time buyers and housing rehabilitation programs
  http://www.countyofkings.com/planning/Plan/cdbg.htm

  Self Help Enterprises - local homebuyer programs
  http://www.selfhelpenterprises.org/

Merced County

   Merced County - first-time buyers and housing rehabilitation programs
   http://www.ci.merced.ca.us/housing/housing.htm

    Self Help Enterprises - local homebuyer programs 
   http://www.selfhelpenterprises.org/

Monterey County - first-time homebuyer down payment assistance programs
http://www.co.monterey.ca.us/housing/

Nevada County - housing and community services
http://www.mynevadacounty.com/housing/html/owning_a_home.html

Orange County - housing and community development homebuyer programs 
http://www.ochousing.org/homebuyer.htm

Sacramento County - homebuyer programs
http://www.shra.org/Content/Housing/HomeBuyer/HomebuyerTOC.htm

San Bernardino County - housing development homeownership assistance program
http://www.co.san-bernardino.ca.us/ecd/housing/default.htm

San Diego County - Home Purchasing Assistance
http://www.sdcounty.ca.gov/sdhcd/homeowners/home_purchase.html

San Francisco County 

Mayor's Office of Housing 
http://www.ci.sf.ca.us/moh/

City of Oakland Housing and Community Development           http://www.oaklandnet.com/government/ceda/

San Mateo County housing and community development home ownership program
http://www.co.sanmateo.ca.us/hsa.dir/hoowner.htm

Santa Barbara County - affordable housing program information
http://www.countyofsb.org/plandev/comp/programs/housing/public-info/default.html

Tulare County

Tulare County - housing authority mortgage credit programs
http://www.hatc.net/homebuyer.htm

Self Help Enterprises - local homebuyer programs 
http://www.selfhelpenterprises.org/

San Francisco Bay area resources

Homebuyers Assistance Center - serving the Bay Area California communities of Alameda, Contra Costa, San Mateo, San Francisco, Marin, San Joaquin, Santa Clara and Solano counties http://www.hbac.org/

Oakland Homeownership Alliance - information about various programs and agencies that are helping potential home buyers purchase homes in Oakland
http://www.oakhome.org/

San Francisco Homeownership Center - one stop homeownership assistance for low to moderate income homebuyers in San Francisco San Francisco Mayor's Office of Housing - first time homebuyers programs and programs for teachers http://www.medasf.org/whats_new_english_ie.html

Neighborhood Housing Services Silicon Valley - a one stop homeownership center for low to moderate income homebuyers in San Jose
http://www.ci.sf.ca.us/moh/

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Down payment assistance 

Below are a few of the down payment assistance programs that may be used to buy a home in California.

Questions regarding down payment assistance programs for buying a home.

Feel free to email us any questions you have regarding down payment assistance programs for buying a home listed below. Click here to email your down payment assistance question.

Down Payment Assistance Programs.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in California or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Questions regarding bad credit loans for buying a home.

Feel free to email us any questions you have regarding California bad credit loan programs for buying a home. Click here to email your bad credit loan question.

Bad Credit Mortgage Loans - these types of California mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Score at TransUnion )

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Mortgages and Home Loans

These website can assist your with obtaining California mortgages for buying a home in California.

Questions regarding mortgage loans for buying a home.

Feel free to email us any questions you have regarding California mortgage loan programs for buying a home. Click here to email your California mortgage question.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgages - this site has information regarding fannie mae and freddie mac conventional loans.

Cal Vet Loans - Cal Vet loan information.

FHA Reverse mortgage - seniors over age 62 who own homes can qualify for a reverse mortgage.

Private Mortgages / Hard Money Loans- these are also called hard money loans, offered by a local California private mortgage lender.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage payment for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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California Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  California real estate of homes for sale.

Complete the form below for direct access to the following types of California real estate listings:

  • California Real Estate Listings and MLS
  • California HUD Homes
  • California For Sale By Owner Homes
  • California New Homes for Sale
  • California Foreclosure Homes for Sale
Access California Real Estate Listings

You will get free unlimited access to search California real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the California real estate listings of homes for sale research page.

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Information on California mortgages, down payment assistance programs, bad credit loans, first time home buyer loans, FHA loans and Va loans.