Check Your Eligibility
Find out if you qualify for CalHFA down payment assistance and low-interest home loans. Complete this quick questionnaire to get started.
Licensed Agent | DRE #02199911 | Serving All California
Pre-Qualification Form
Complete this form to check your eligibility
How It Works
1. Complete the Form
Share basic information about your financial situation and homebuying goals.
2. Get Your Assessment
We'll reach out typically within 24 hours with an initial eligibility assessment.
3. Connect with Lenders
We'll help you connect with CalHFA-approved lenders to process your application.
CalHFA Programs
What is CalHFA and how can it help you?
CalHFA (California Housing Finance Agency) offers several programs to help first-time and repeat homebuyers in California:
- Down payment assistance up to 10% of purchase price
- Competitive interest rates on home loans
- Conventional, FHA, VA, and USDA loans available
- Special programs for teachers, veterans, and others
As a licensed real estate agent, Emigdio helps you connect with CalHFA-approved lenders who can process these programs.
Frequently Asked Questions
Do I need to be a first-time homebuyer?
Not necessarily. While many programs prioritize first-time buyers, some are available to buyers who haven't owned a home in the past 3 years.
What are the income limits?
Income limits vary by county and household size. Generally, your household income must be below certain limits based on the area median income.
What credit score do I need?
Minimum credit score requirements vary by program. Most require a minimum score of 660, but some programs may accept lower scores.
Does this pre-qualification guarantee approval?
No. This is an initial eligibility assessment. Final approval comes from the lender after a complete application and documentation verification.
Is there any cost for this service?
No. This initial assessment is completely free. You will not be charged for the consultation or eligibility review.
We use reasonable measures to protect your information and use it only for eligibility review and follow-up. Your information will not be sold to third parties.