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ACCESS program is currently on hold as of 12/10/08

CHFA or ‘CHAFA" as it is sometimes known, is operated by the California Housing Finance Authority.  It is designed to provide up to 100% of home loan financing to prospective eligible first-time homebuyers. It generally consists of a standard 97% EHA - CHFA fixed-rate 30-year mortgage and a 3% CHFA down payment assistance second mortgage, which is also called a "sleeping" or "silent" second. The second mortgage is offered for 30 years at 3% simple interest. All payments are deferred on this second mortgage until one of the following happens: the CHAFA first mortgage becomes due and payable; the first mortgage is paid in full or refinanced; or, the property is sold.
Visit CHFA website
CHFA manual  (pdf)

CalSTRS has competitive loan rates on a variety of mortgage loan programs:
- CalSTRS Conventional 30-15 year Fixed Rate Program
- CalSTRS No Points, No Fees Program
- CalSTRS/CaHLIF Zero Down Preferred Program
All program interest rates are set by CalSTRS
Highly experienced Correspondent Lenders with program participants.  A free 60-day interest rate lock upon application submittal and two "float down" options if interest rates fall.  Availability of purchase or refinance plans Income derived from mortgage payments goes directly into the Teachers' Retirement Fund.
 Visit the CalSTRS website
CalSTRS Summary  (pdf)

USDA Rural Development's Guaranteed Rural Housing (GRH) Program is designed to meet the needs of rural home buyers who have the necessary income and credit history required to qualify for a conventional mortgage, but not the down payment. The GRH program encourages lenders to provide financing to qualifying home buyers by reducing the amount of risk involved for the lender.
Visit the USDA website
USDA-GRH Manual    (pdf)

The Homebuyer Assistance Program (HAP) of the City of Moreno Valley is designed to provide financial assistance to low and moderate income families for home purchases. Assistance is in the form of a deferred-payment loan and may be proved for the down payment and/or closing cost associated with the home purchase.
Visit the Moreno Valley website
Moreno Valley HAP manual  (pdf)

A Mortgage Credit Certificate (MCC) or MAPP as it is sometimes known, entitles qualified first time buyers to a federal income tax credit on a percentage of the interest paid on the primary mortgage. this tax credit allows the buyer to qualify more easily for a loan by increasing the effective income of the buyer. The Riverside County MCC Program provides for a fifteen percent (15%) rate which can be applied to the interest on the mortgage loan.
Visit the Riverside website  
Riverside MCC Manual  (pdf)

The Homeownership Assistance Program (HAP) for San Bernardino County provides financial assistance to eligible household for the purchase of a home. Home funds may be used for GAP financing, down payment and/or closing costs. The assistance is in the form of a deferred loan (Silent Second) and will be secured by a second trust deed.
Visit the San Bernardino HAP website  
San Bernardino HAP manual  (pdf)

The City of Riverside Down Payment Assistance Program has been established to encourage homeownership and owner occupancy in the City of Riverside.  Down payment assistance is provided to eligible low income households to enable such households to qualify for first mortgage financing and achieve affordable homeownership.  The Program is available anywhere within the city limits of the City of Riverside.
Visit the Riverside website
Riverside manual  (pdf)

The Downpayment Assistance Program (DAP) of the City of Hemet is designed to provide financial assistance to low and moderate income families for home purchases. Assistance is in the form of a deferred-payment loan and may be proved for the down payment and/or closing cost associated with the home purchase.
Visit the Hemet website
Hemet Manual  (pdf)

The Homebuyers Assistance Program (HAP) for the City of Fontana makes available a limited number of deferred payment (principal and interest) second mortgages, in amounts up to 10 percent of the purchase price. This program is designed to provide financial assistance to qualified low to moderate income families, a bridge for the gap between the mortgage amount a first - time home buyer can qualify for and the actual purchase price of a single family detached home in Fontana.
Visit the Fontana website
Fontana Hap Summary  (pdf)

The Homebuyer Assistance Program (HAP) of the City of Temecula is designed to provide financial assistance to low and moderate income families for home purchases. Assistance is in the form of a deferred-payment loan and may be proved for the down payment and/or closing cost associated with the home purchase.
Visit the Temecula website

The Homebuyer Assistance Program (HAP) of the City of Upland is designed to provide financial assistance to low and moderate income families for home purchases. Assistance is in the form of a deferred-payment loan and may be proved for the down payment and/or closing cost associated with the home purchase.
Visit the Upland website
     

 The Homebuyer Assistance Program (HAP) of the City of Corona is designed to provide financial assistance to low and moderate income families for home purchases. Assistance is in the form of a deferred-payment loan and may be proved for the down payment and/or closing cost associated with the home purchase.
Visit the Corona website

The Homebuyer Assistance Program (HAP) of the City of Perris is designed to provide financial assistance to low and moderate income families for home purchases. Assistance is in the form of a deferred-payment loan and may be proved for the down payment and/or closing cost associated with the home purchase.
Visit the Perris website