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California First Time Home Buyers

California First Time Home Buyers - As we all know California has one of the top Real Estate markets in the nation, and growing. This unfortunately, has made it tough for first time home buyers to get in the mix. Places like Sacramento, California and some surrounding areas saw a huge increase in property values over the past 4 years. Now, it seems the market is starting to cool off, which means asking prices are coming down.

This is what you call a buyers market. Now, you the buyer, have the upper hand, meaning negotiating power. This is a great time for first time home buyers to jump in.

There are also loan programs that are designed for first time home buyers that need a home with no down payment.

Some seller's will use what is called seller's concessions. This is used as an incentive to attract buyers, for a quick sale. Seller concessions are a great thing. This is when the seller contributes money to the buyer to help with closing costs. Sometimes the buyer can even walk away with money.

California first time home buyers can have difficulties because of the high loan amounts on California properties. Many loan programs are available lower the loan payments. We can help you find a loan that is suitable for you circumstances and help make home ownership a reality.

California Down Payment Assistance Programs - California Down Payment Assistance Programs

Alameda Downpayment Assistance Program (DAP)
$10,000 (510) 749-5824
Anaheim Home Program (HOME)
$35,000 (714) 765-4340
Anaheim Police Residence Assistance Program (PRAP)
$20,000 (714) 765-4340
Anaheim Second Mortgage Assistance Program (SMAP)
$25,000 (714) 765-4340
Brentwood Police Officer Recruitment Incentive Program (BPOAP)
$28,500 (925) 516-5195
California Gold Taxable MRB Second Mortgage Loan Program (SML)
$25,000 (916) 444-2615
California School Facility Fee Down Payment Assistance Program (DPA)
$25,000 (916) 322-1353
Campbell Deferred Second Loan Program (DSLP)
$50,000 (40 299-5142
Chico Mortgage Subsidy Program (MSP)
$20,000 (916) 895-4862
Citrus Heights First Time Home Buyer Program (FTHB)
Coalinga Downpayment Assistance Program (DAP)
$6,400 (559) 935-1533
Concord First Time Homebuyer Program (FTHB)
$25,000 (925) 671-3325
Costa Mesa Homebuyer Assistance Program (HAP)
$40,000 (714) 754-5692
Culver City Mortgage Assistance Program (MAP)
$60,000 (310) 253-5780
Del Norte/Humboldt Yurok Indian Housing Authority Downpayment Assistance Gift
$40,000 (707) 482-1506
Dinuba Homebuyer Assistance Program (HAP)
$20,000 (559) 591-5900
Dixon Down Payment Assistance Program (DPA)
$40,000 (707) 678-7000
El Cajon 120% First Time Homebuyer Program (FTHB)
$60,000 (619) 441-1768
El Cajon 80% First Time Homebuyers Program (FTHB)
$60,000 (619) 441-1768
El Monte Down Payment Assistance Program (DPAP)
Max 22% (626) 580-2070
Emeryville First Time Homebuyer Program (FTHP) Moderate Income
$71,025 (510) 596-4316
Fairfield City-Wide In-fill Housing Silent Loan Program (FSLP-2nd)
$50,000 (707) 428-7457
Fairfield City-Wide In-Fill Housing Silent Loan Program (FSLP-3rd)
$50,000 (707) 428-7457
Fremont Adams Ave Home Project Second Mortgage (SM)
$207,926 (510) 494-4520
Fremont First Time Homebuyer Programs (FTHB)
$40,000 (510) 494-4506
Fresno CalHome Mortgage Assistance Program (MAP)
$30,000 (559) 262-4292
Fresno County Downpayment Assistance Program (DAP)
$4,000 (559) 262-4292
Fresno County- Economic Opportunities Commission (FCEOC) Refugee Individual Development Account (IDA)
$6,000 (559) 263-1065
Fresno Downpayment Assistance Program (DAP)
$4,000 (559) 498-4815
Grand Terrace Affordable Housing Program (AHP)
$25,000 (909) 825-3825
Hanford Home Sweet Home Program (Home)
$20,000 (559) 585-2587
Hawthorne First Time Homebuyer Program (FTHP)
$80,000 (310) 970-7086
Hayward First Time Homebuyer Program (FHP)
$11,000 (510) 583-4244
Hemet First Time Homebuyer Downpayment Assistance Program (DAP)
$25,000 (909) 765-2388
Hesperia First Time Homebuyer Downpayment Assistance Program (DAP)
$20,000 (760) 947-1910
Imperial First Time Home Buyer Program (FTHB)
$20,000 (760) 355-4373
La Quinta Home Purchase Program (HPP)
$85,000 (714) 541-4585
Lincoln Homebuyer Mortgage Program
$40,000 (800) 995-0431
Livermore Down Payment Assistance (DAP) Deferred Payment Third Loan
$20,000 (925) 373-5699
Livermore Down Payment Assistance Program (DAP) Ten Year Amortization Second Loan
$20,000 (925) 373-5699
Long Beach Housing Development Company Downpayment Assistance Program (DAP)
$10,000 (562) 570-6949
Los Angeles County Home Ownership Program (HOP)
$60,000 (213) 890-7248
Los Angeles County Montebello Housing Development Corporation Calhome FTHB Mortgage Assistance Program (MAP)
$30,000 (323) 722-3955
Madera County Homebuyer Assistance Program (HAP)
$20,000 (559) 675-7821
Manteca City Manteca First Time Home Buyer Assistance Program (DAP)
$30,000 (209) 239-8427
Mendocino County Down Payment Assistance Program (DPAP)
$70,000 (707) 463-5462
Mendocino County Individual Development Empowerment Account Program (IDEA)
$10,000 (707) 462-0522
Mendota First Time Homebuyers Program (FTHP)
$25,000 (559) 655-3291
Merced County First Time Homebuyer Program (FTHP)
$60,000. (209) 385-7654
Merced First Time First Time Home Buyer Grants Program (FTHB)
$25,000 (209) 385-6863
Modesto Down Payment Assistance Program (DPAP) $60,000 (209) 577-5310
Monterey County First Time Home Buyers Program (FTHB)
$135,235 (831) 786-1357
Monterey Down Payment Assistance Program (DAP)
$25,000 (831) 646-3728
Multi Counties First Time Homebuyer Program (FTHB)
$50,000 (209) 533-5511
Multi Counties Tuolumne/Calaveras County FHLB Affordable Housing Program Third Lien (AHP)
$8,000 (209) 946-5104
Napa First Time Homebuyer Loan Program (FTHB)
$69,350 (707) 257-9543
National City First-Time Homebuyer Program (FTHP)
$17,000 (619) 336-4250
Nevada County Downpayment Assistance Program (DAP)
$40,000 (530) 265-1388
Norco First Time Homebuyer Program (FTHB)
$22,500 (909) 270-5645
Oakland "Public Safety Officer/Teacher/Communications Dispatcher Down Payment Assistance Program" (DAP)
$10,000 (510) 238-3909
Oakland Mortgage Assistance Program (MAP)
$50,000 (510) 238-3344
Oroville First Time Homebuyer Program (FTHB)
$50,000 (530) 538-2495
Oroville First Time Homebuyer Program (FTHB)
$40,000 (530) 538-2495
Oxnard Historical Enhancement & Revitalization of Oxnard (HERO)
$5,000 (805) 385-7400
Oxnard Resale Housing Conditional Matching Grant Program (GRANT)
$10,000 (805) 385-7400
Palmdale Mortgage Assistance Program (MAP)
$10,000 (661) 267-5126
Pasadena Homeownership Opportunities Program (HOP)
$60,000 (626) 744-8316
Pasadena Neighborhood Housing Services Inc CalHome First Time Homebuyer Program (FTHP)
$30,000 (626) 744-4141
Paso Robles CalHome Program (CalHome)
$90,000 (805) 237-3970
Placer County First Time Homebuyer Assistance Program (FTHB)
$35,000 (530) 889-4246
Pomona Calhome First Time Home Buyer Program (FTHB)
$30,000 (909) 620-3630
Porterville First Time Low Income Home Buyer Program (FTHB)
$20,000 (559) 782-7460
Rancho Cucamonga First Time Homebuyer Program
$16,000 (909) 884-6891
Redding Downpayment Assistance Program (DAP)
$35,000 (530) 225-4173
Redlands First Time Homebuyer Program (FTHB)
$15,000 (909) 884-6891
Richmond In-Fill Homeowner Assistance Program (INFILL)
40,000 (510) 307-8151
Rio Vista First Time Home Buyer Program (FTHB)
$5,000 (707) 374-6451
Ripon Gap Down Payment Assistance Program (GAP)
$60,000 (209) 599-2108
Riverside CalHome Mortgage Assistance Program (MAP)
$30,000 (909) 341-6511
Riverside County Individaul Development Account (IDA)
$4,000 (909) 955-4900
Rocklin First Time Homebuyers Down Payment Assistance Program (FTHB)
$35,000 (800) 995-0431
Roseville First Time Homebuyer Program (FTHP)
$60,000 (916) 774-5446
Round Valley Indian Housing Homebuyer Assistance Program (HAP)
$25,000 (707) 983-6188
Sacramento CalHome First Time Homebuyer Mortgage Assistance Program (MAP)
$29,350 (916) 264-1522
Sacramento County and City First Time Home Buyer Program (FTHP)
$5,000 (916) 264-1524
Sacramento County and City Homebuyers Assistance Program (HAP)
$2,500 (916) 264-1524
Sacramento County MCC Expanded Teacher Home Purchase First Time Homebuyer Program (FTHB)
$5,000 (916) 264-1524
Sacramento County MCC Expanded Teacher Home Purchase Homebuyer Assistance Program (HAP)
$2,500 (916) 264-1524
Sacramento Mortgage Assistance Program (MAP)
$20,000 (916) 264-1522
Salinas First Time Homebuyer Downpayment Assistance Program
$40,000 (40 758-7334
San Diego County San Diego Neighborhood Housing Services CalHome Program (CalHome)
$40,000 (619) 282-6647
San Diego Down Payment Assistance Grant (DPAG) Program
$7,500 (619) 578-7491
San Diego Neighborhood Housing Services Cost Assistance Support for Homebuyers Program (CASH)
$10,000 (619) 282-6647
San Fernando First Time Homebuyer Program (FTHP)
$45,000 (81 898-1233
San Francisco First Time Homebuyer Program (FTHB)
$100,000 (415) 252-3177
San Joaquin County GAP Loan Program (GAP)
Max 20% (209) 468-3157
San Jose Neighborhood Housing Services of Silicon Valley, "The Vernal Fund" Mortgage Assistance Program (MAP)
$80,000 (40 272-2878
San Jose Teachers Homebuyer Program (THP)
$40,000 (40 277-8486
San Leandro First Time Homebuyer Program (FTHB)
$20,000 (510) 577-6002
San Marcos Down Payment Assistance Loan Program (DPAL)
$10,000 (760) 744-1050
San Mateo County Start Program 2nd Lien
$65,000 (650) 802-5033
San Mateo County StartPLUS 3rd Lien
$5,000 (650) 802-5033
San Mateo Countywide Home Investment Partnership Program (CHIP)
$60,000 (650) 522-7223
San Mateo First Time Home Buyer Program (FTHB)
$60,000 (650) 522-7220
Sanger First Time Homebuyers Program (FTHP)
$2,700 (559) 876-6329
Santa Clara County Deferred Closing Cost Program (DCCP)
$6,500 (40 299-5142
Santa Clara County Second Loan Program for Teachers (SLPT)
$10,000 (40 441-4260
Santa Cruz County First Time Home Buyer Program (FTHB)
$25,000 (40 454-2280
Seaside First Time Home Buyer Program
$30,000 (831) 899-6728
Shasta County Down Payment Assistance Program (DAP)
$30,000 (530) 245-6431
Simi Valley Closing Cost Grant Assistance (GRANT)
$3,000 (805) 583-6853
Simi Valley First Time Homebuyer Assistance Program (FTHB)
$40,000 (805) 583-6853
Sonoma County Employee Second Mortgage Program (ESMP)
$15,000 (707) 565-7500
South Lake Tahoe First Time Homebuyer Assistance Program (FTHB)
$60,000 (530) 542-6157
Stanislaus County Down Payment Assistance Program (DPA)
$50,000 (209) 525-6330
Stanislaus County Public Facilities Fee Deferral Program (PFF)
$25,000 (209) 523-6330
Tulare County First Time Homebuyer Program
$20,000 (559) 733-6291
Turlock First Time Home Buyers Program (FTHB)
$40,000 (209) 668-5560
Ukiah Down Payment Assistance Program (DAP)
$70,000 (707) 463-5462
Upland Primary Assistance Loan Program (PAL)
$30,000 (909) 931-4113
Vacaville Down Payment Assistance Loan Program (DPAL)
$10,000 (707) 449-5687
Ventura First Time Home Buyer Grants Program (HBAP)
$45,000 (805) 654-0038
Victorville Mortgage Assistance Program (MAP)
$5,000 (760) 955-5032
Visalia Homebuyer Assistance Program (HAP)
$20,000 (559) 738-3460
Waterford First Time Home Buyer Assistance Program (DAP)
$20,000 (916) 725-1181
Watsonville Downpayment Assistance Program (DAP)
$30,000 (831) 728-6014
Watsonville First Time HomeBuyer Program (FTHP)
$90,000 (831) 728-6014
Woodlake First Time Home Buyer Grants Program (HAP)
$20,000 (209) 564-8055
Yuba City First Time Homebuyer Assistance Program (FTHB)
$50,000 (530) 822-4697

California down payment assistance programs exist to help buyers purchase a home when they would not otherwise be able to afford one. Certain restrictions apply to qualify for the programs. We can answer further questions for you on these programs to determine your eligibility.

Programs and assistance amounts can change from year to year. Again, the best way to stay on top of the down payment assistance programs in your county is by contacting your mortgage professional who can review what programs you may be eligible for.

If you don't currently have a mortgage professional working for you, feel free to contact us at 415-617-5448 for more info.

In addition to the government sponsored down payment assistance programs, there are many non-profit organizations that will grant you your down payment. You should ask your mortgage broker what program is right for you.

California Mortgage - Homeowners in the state of California may have a difficult time refinancing homes purchased in the last 2-3 years with ARM (adjustable rate) mortgages. In recent months property values in parts of the state of California have declined severely. The decline in property values is one of many reasons for the mortgage refinance troubles in California.

California mortgage loans are available in many varieties. Due to the large number of mortgage options it is important to consult with a professional to ensure that you have a loan that is suited for your individual needs.

If you purchased or refinanced a home in California within the last 2-3 years, you should contact a mortgage professional to evaluate your current mortgage. With the volatility in today's market, this may be the best time move from an adjustable rate mortgage to a more stable fixed rate mortgage.

On the other hand, now may be the very best time if you are looking to purchase a home. All market indicators are showing a true buyers market right now.

Call us to get pre-qualified so you can begin shopping with confidence today.

California adjustable mortgage rates are becoming increasingly popular, especially among investment property home owners. These resources are dedicated to California home owners, and equally to those fist time California home buyers that need a mortgage. Let us help you find your California mortgage professional!

Homeowners in California who are concerned that their home's value may be declining should look for comparable sales in their neighborhood which might help indicate what the true market value of their home is today. Comparable sales are the cornerstone of determining a home's value. Finding homes which are as similar as possible to your in, especially in terms of square footage, can greatly help us in determining a reasonable value for the property, and in today's market can be one of the greatest single factors in obtaining a successful refinance for a California home owner.

If you have difficulty determining the value of your home, consult one of our home refinancing specialists at 415-617-5448 or [email protected]. We have access to valuation models which may be able to assist you in determining not only the value of the property, but also increase the likelihood of structuring the best refinancing strategy for your personal situation.

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