California is one of the most complex mortgage markets in the country, high home values, county-level DPA programs, Mello-Roos in newer developments, jumbo loan limits that vary by county, and underwriting overlays that change frequently. The right structure can save tens of thousands over the life of the loan.
California has the most active DPA program ecosystem in the U.S., CalHFA, GSFA, county-level programs, Dream For All, and Forgivable Equity Builder. Conforming loan limits vary by county (high-cost counties go well above the standard limit). Property tax rates are governed by Prop 13 plus local assessments.
Sacramento, San Francisco Bay Area, Los Angeles, Orange County, San Diego, Inland Empire, Central Coast, Central Valley, North Coast
Layered DPA strategies for buyers under county income limits, jumbo and high-balance loans in coastal markets, bank statement and DSCR programs for self-employed and investor clients, and renovation loans for older California housing stock that needs work.
Run the tools, see what fits, then talk it through with a real advisor.
Every loan program and tool listed here is available for California buyers. Pick what fits your situation.