First Time Home Buyer California

Best Mortgage Rates for California Home Loans

  • As Low As 3% Down!
  • FICO starting at 550
  • Fast Closing
  • First Time Home Buyer Programs
  • Jumbo and Super Jumbo Loans
  • No Doc Loans for Business Owners
  • Foreign National and ITIN Loans

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First Time Home Buyer California

The home buying process can be daunting, not to mention one of the most expensive purchases most of us will make in their lifetimes. We want to be sure to to get the best rates and terms that exist in the market for the purchase of our California home. Californian’s are fortunate to have the California Housing Finance Agency, or CalHFA, which offers several loan programs to help qualified first-time home buyers get a mortgage.

 

Californian’s may benefit from a national loan program that features low credit scores and very low down payment requirements. Explore many of the options for buying your first home here and then call or submit your application to get pre-qualify for your home loan or for our loan experts to get you into shape to purchase your first home. Surprisingly enough, if you have not purchased a home in three years you can qualify for the first time home buyer program.

 

Do you have an eye on a house in Los Angeles, San Francisco or San Diego or are you a first time home buyer in Simi Valley or Ventura named one of the top 100 places to live.

CalHFA Buyer Assistance Loans For First Time Home Buyers

CalHFA offers Conventional and FHA first mortgages.  When you qualify for a CalHFA first mortgage, you are automatically eligible the down payment and closing cost assistance that accompanies it.

The exceptions are the Extra Credit Teacher Program (ECTP) and the Mortgage Credit Certificate (MCC), which have additional qualifying criteria.

CaLHFA FHA Loan

If you haven’t owned and occupied your own home in the past three years, you’re considered a first-time home buyer in California, and may want to choose one of these CalHFA programs as a more affordable path to homeownership. 

The CalHFA FHA Loan Program is a FHA insured first mortgage loan featuring a fully amortizing fixed interest rate with a maximum 30-year term.

FHA Loans requires a minimum 3.5% down payment.

CalPLUS FHA Loan Program

Florida is a robust real estate market with in addition to the continued growth of retirees moving here, new business are flocking here yearly for the less expensive cost of living, taxes and labor pools. The state has a growing underlying economy that not only includes medical and technology but tourism, air BnB that creates huge upside potential for investors.

As a result, the Florida’s real estate market is offers an excellent opportunity  for investors to maximize their returns.

Florida’s premier hard money lender CambridgeHomeLoan.com is here to help you succeed profitably in this competitive market.

CalHFA VA Loan Program

With our knowledge of the Florida’s fix and flip market, CambridgeHomeLoan.com is able to structure solutions that fit just about any hard money financing needs.  We fund most loans based on the value of the asset and can move diligently for investors to take advantage of the market.

CambridgeHomeLoan.com can also provide your take out financing once your project is completed in the  form of long term 30 year mortgage and arm or even a cash out refinance to purchase additional properties. 

Give us a call or apply for a loan today!

Conventional Loan Program

With our knowledge of the Florida’s fix and flip market, CambridgeHomeLoan.com is able to structure solutions that fit just about any hard money financing needs.  We fund most loans based on the value of the asset and can move diligently for investors to take advantage of the market.

CambridgeHomeLoan.com can also provide your take out financing once your project is completed in the  form of long term 30 year mortgage and arm or even a cash out refinance to purchase additional properties. 

Give us a call or apply for a loan today!

investment loans

HomeReady Mortgage
Low down payment HomeReady® Home Loan

HomeReady Mortgage confidently serves today’s low-income credit worthy home borrowers.

The HomeReady® loan is a low down payment home loan program that for offer 3% down. Credit scores however are higher than FHA with starting requirements for a FICO at 620  vs 580. Borrowers with credit scores of 680 or more can potentially receive better rates.  Cash for down payment can come from multiple sources including grants, gifts and community seconds with no minimum requirement to use your personal funds.  

The HomeReady® mortgage program requires you to take a quick class about home ownership. You can check  the education requirements for this program HERE

Why Choose A Florida Hard Money Lender

Our principal moved to Florida back in 2010 and although we now lend nationwide, CambridgeHomeLoan.com takes pride in their roots and the success that the Florida real estate markets created for us. Being a local Florida hard money lender and being knowledgeable in the various cities and township in Florida allows us to move quickly and to understand the obstacles that many out of state lenders cannot. For example, we understand  the continued development of St Petersburg downtown, the re development of Delray Beach, Miami and West Palm Beach. , The booming Fix and Flip business going on in and around Orlando and Miami.  We can help our clients take advantage of some of the best investment real estate returns in the country that exist right in the Florida markets.

Financing your Florida Investment Property

Florida is a robust real estate market with in addition to the continued growth of retirees moving here, new business are flocking here yearly for the less expensive cost of living, taxes and labor pools. The state has a growing underlying economy that not only includes medical and technology but tourism, air BnB that creates huge upside potential for investors.

As a result, the Florida’s real estate market is offers an excellent opportunity  for investors to maximize their returns.

Florida’s premier hard money lender CambridgeHomeLoan.com is here to help you succeed profitably in this competitive market.

CambridgeHomeLoan.com is an asset-backed Lender Focused on Customized Solutions

With our knowledge of the Florida’s fix and flip market, CambridgeHomeLoan.com is able to structure solutions that fit just about any hard money financing needs.  We fund most loans based on the value of the asset and can move diligently for investors to take advantage of the market.

CambridgeHomeLoan.com can also provide your take out financing once your project is completed in the  form of long term 30 year mortgage and arm or even a cash out refinance to purchase additional properties. 

Give us a call or apply for a loan today!

Prince George’s Counties, first-time home buyers. Largest 27 Municipalities

PC County first-time home buyer programs

The Maryland Mortgage Program along with PG County First Time Home Buyer Programs provides a number of loan programs as well as a few down payment assistance programs which makes purchasing your home easier. Be aware that since the Covid19 outbreak and the start of forbearance most of these programs have been halted. Qualify Here for current programs that are approved and backed by the federal government. that make purchasing your first home much less costly. PG County First Time Home Buyer programs help Maryland’s residence achieve the American Dream.

Best FHA, VA and First Time Home Buyer Lender in the US. with the best rates!

VA Loans

This is the best program for those currently serving and those that have served in our military armed forces. For first time home buyers that have served a VA loan is the best choice.  A Zero Down VA home loan. You can send your DD214 or Certificate of Eligibility and click here to fill out an application for your first time home buyer VA Loan.  To look up VA loan limits in Maryland Click below. 

Best First Time Home Buyer Rates in PG County. Qualify Here!




PG County First Time Home Buyer Programs Administered By Government Agencies like the Federal Housing Administration (FHA) VA Loans from the Veterans association , Freddie Mac and Fannie Mae offer low down payment and Zero Down loans that provide excellent options today with some of the lowest rates in years. 

EXPERT FIRST TIME HOME BUYER GUIDE

Why Choose A Florida Hard Money Lender

Our principal moved to Florida back in 2010 and although we now lend nationwide, CambridgeHomeLoan.com takes pride in their roots and the success that the Florida real estate markets created for us. Being a local Florida hard money lender and being knowledgeable in the various cities and township in Florida allows us to move quickly and to understand the obstacles that many out of state lenders cannot. For example, we understand  the continued development of St Petersburg downtown, the re development of Delray Beach, Miami and West Palm Beach. , The booming Fix and Flip business going on in and around Orlando and Miami.  We can help our clients take advantage of some of the best investment real estate returns in the country that exist right in the Florida markets.

Financing your Florida Investment Property

Florida is a robust real estate market with in addition to the continued growth of retirees moving here, new business are flocking here yearly for the less expensive cost of living, taxes and labor pools. The state has a growing underlying economy that not only includes medical and technology but tourism, air BnB that creates huge upside potential for investors.

As a result, the Florida’s real estate market is offers an excellent opportunity  for investors to maximize their returns.

Florida’s premier hard money lender CambridgeHomeLoan.com is here to help you succeed profitably in this competitive market.

CambridgeHomeLoan.com is an asset-backed Lender Focused on Customized Solutions

With our knowledge of the Florida’s fix and flip market, CambridgeHomeLoan.com is able to structure solutions that fit just about any hard money financing needs.  We fund most loans based on the value of the asset and can move diligently for investors to take advantage of the market.

CambridgeHomeLoan.com can also provide your take out financing once your project is completed in the  form of long term 30 year mortgage and arm or even a cash out refinance to purchase additional properties. 

Give us a call or apply for a loan today!