Golden Nuggets

Buy a Home in California with No Money Down (CalHFA)

Now is the perfect opportunity for First Time Home Buyers to take advantage of declining values in California. One thing stopping many buyers from getting into the market has been lack of a Down Payment. The State of California wants to help you bridge that gap and help you with the down payment so you can get your piece of the “California Dream”. Check out the video below with Nate Ellis"Mr. Danke Schoen" interviewing Sherri Kerth from CalHFA

For over 30 years, California Housing Finance Agency (CalHFA) has supported the needs of renters and first-time homebuyers by providing financing and programs that create safe, decent and affordable housing opportunities for individuals within specified income ranges. Established in 1975, CalHFA was chartered as the State’s affordable housing bank to make low interest rate loans through the sale of tax-exempt bonds. A completely self-supporting State agency, bonds are repaid by revenues generated through mortgage loans, not taxpayer dollars.

CalHFA offers Below Market Interest Rates and these are posted on their website. The rates are usually good for an extended period of time but will change with major shifts in the market. It has been my experience that they will raise rates faster in deteriorating markets than they lower rate in improving markets. You can lock in your rate for 30-90 days for the same cost. If you are buying a Newly Constructed Home you can lock in for up to 6 month. To be able to lock in your rate you must have a property in contract.

Highlights of the CalHFA Program

  • Financing to 102% of Purchase Price with FICOs down to 620 (90% on Manufactured Homes)
  • No Declining Market Hit
  • No Hit for Condos
  • No Minimum borrower contribution
  • No Inspection report required (if not checked on contract)
  • Can use with City Downpayment Assistance Programs
  • Can use with CalHFA Down Payment Assistance Programs
  • Below Market Interest Rates
  • 30 yr, 40 yr and interest only options.
  • Lock for 30-90 lock same cost.
  • Fixed Lender fees
  • MI can be petitioned for removal once the loan balance falls below 79.9% LTV
  • Borrowers with limited Credit OK
  • BK/Foreclosure OK after 3 yrs
  • Non-Occupant Co-Signers OK

For more information Click Call Me to call me for free or email me

Get CalHFA Downpayment

 

 

Down Payment DreamsDown Payment Dreams – San Ramon, CA 2008 May 30th

The City of San Ramon in Contra Costa County , California is a great place to raise a family in the Diablo Valley. With top notch schools and lots of parks your home search stops here. The City has approved plans to create a Down Town Center to rival Beverly Hill's Rodeo Drive. Take a look at some of Home deals you can take advantage of today.

View Contra Costa County Homes in other cities

or Call Nate 888-808-6283

Price

City

Bed

Bath

½ Bath

Psbl Ast

0 Down Mo Pmt

Address

Brokerage

Listed By

 

 

$225,000

SAN RAMON

2

1

 

$29,813

$1,393

8975 ALCOSTA BLVD

CORNERSTONE RLTY & FUNDING

JAMEEL BATSHON

Get Down Payment

Show Me The Home

$229,450

SAN RAMON

1

1

0

$30,402

$1,475

9052 CRAYDON CIR

J. Rockcliff Realtors Inc

Mark Traikoff

Get Down Payment

Show Me The Home

$249,900

SAN RAMON

2

1

0

$33,112

$1,602

9085 ALCOSTA BLVD

ALL PHASE BROKERS, INC.

ANDREA SOUSA

Get Down Payment

Show Me The Home

$258,888

SAN RAMON

1

1

 

$34,303

$1,516

115 Reflections Drive

PRUDENTIAL CALIF REALTY

SOPHIE ARETTA

Get Down Payment

Show Me The Home

$259,000

SAN RAMON

2

1

 

$34,318

$1,666

9085 Alcosta Blvd.

Prudential California Realty

Joe Kehrig

Get Down Payment

Show Me The Home

$259,000

SAN RAMON

1

1

 

$34,318

$1,514

115 Reflections

PRUDENTIAL CALIF REALTY

NORM NELSON

Get Down Payment

Show Me The Home

$259,000

SAN RAMON

2

1

 

$34,318

$1,656

9085 ALCOSTA BLVD

Prudential California Realty

Mehrasa Bagheri

Get Down Payment

Show Me The Home

$270,000

SAN RAMON

2

2

0

$35,775

$1,589

367 EASTRIDGE DR

RE/MAX ACCORD

ANNETTE M JUNELL

Get Down Payment

Show Me The Home

$274,950

SAN RAMON

2

1

0

$36,431

$1,736

9085 ALCOSTA BLVD

J. Rockcliff Realtors Inc

Bonnie King

Get Down Payment

Show Me The Home

$275,000

SAN RAMON

2

2

 

$36,438

$1,678

9025 Alcosta blvd

THE CHASE REALTY GROUP

ALFREDO J CHAVIRA

Get Down Payment

Show Me The Home

$275,000

SAN RAMON

2

2

0

$36,438

$1,707

9005 ALCOSTA BLVD

PRUDENTIAL CALIF REALTY

CINDY E DUFFY

Get Down Payment

Show Me The Home

$288,000

SAN RAMON

1

1

0

$38,160

$1,659

210 Reflections Dr

Fox Real Estate

Glenn Mendell

Get Down Payment

Show Me The Home

$294,000

SAN RAMON

1

1

 

$38,955

$1,786

280 S Overlook Dr

BETTER HOMES REALTY

MICHAEL DOMDE

Get Down Payment

Show Me The Home

$319,000

SAN RAMON

1

1

 

$42,268

$1,873

415 Pine Ridge Drive

J. Rockcliff Realtors Inc.

Sarah E Arnold

Get Down Payment

Show Me The Home

$329,999

SAN RAMON

1

1

0

$43,725

$1,902

755 WATSON CANYON CT

Prudential California Realty

Manjit Hundle

Get Down Payment

Show Me The Home

$335,000

SAN RAMON

2

1

1

$44,388

$2,008

2665 FOUNTAINHEAD DR

Ram Properties

Marvin Remmich

Get Down Payment

Show Me The Home

$336,000

SAN RAMON

1

1

 

$44,520

$1,913

210 Reflections Drive

GOLDEN HILLS BROKERS

CAMILLE HARRISON

Get Down Payment

Show Me The Home

$338,888

SAN RAMON

2

1

0

$44,903

$2,098

202 COMPTON CIR

COLDWELL BANKER

ELAINE ARNT

Get Down Payment

Show Me The Home

$349,000

SAN RAMON

2

2

0

$46,243

$2,049

3655 CROW CANYON RD

Eagle Real Estate Services

Steve L Martin

Get Down Payment

Show Me The Home

$351,500

SAN RAMON

2

1

0

$46,574

$2,040

258 EASTRIDGE DR

Weichert Realtors-America Fir

Judy A Bittner

Get Down Payment

Show Me The Home

$354,900

SAN RAMON

2

1

1

$47,024

$2,113

322 NORRIS CANYON TER

Ram Properties

Marvin Remmich

Get Down Payment

Show Me The Home

$359,000

SAN RAMON

2

1

0

$47,568

$2,133

200 NORRIS CANYON PL

Wheaton & Associates

Peggy Wheaton

Get Down Payment

Show Me The Home

$359,900

SAN RAMON

2

1

0

$47,687

$2,028

1610 CUTTER CT

RETHINK REAL ESTATE, INC.

STACEY WILSON

Get Down Payment

Show Me The Home

$395,000

SAN RAMON

2

2

0

$52,338

$2,107

237 TANGERINE CT

CROW CANYON REALTY

BRUCE L BALDWIN

Get Down Payment

Show Me The Home

$399,000

SAN RAMON

2

2

0

$52,868

$2,386

273 S OVERLOOK DR

RELIANCE REALTY GROUP

DAVID TANG

Get Down Payment

Show Me The Home

$399,000

SAN RAMON

2

2

0

$52,868

$2,338

309 S OVERLOOK DR

PRUDENTIAL CALIF REALTY

CHRIS KAMALI

Get Down Payment

Show Me The Home

$400,000

SAN RAMON

3

1

1

$53,000

$2,253

562 LA COPITA COURT

KELLER WILLIAMS BENCHMARK

COCO LEWIS

Get Down Payment

Show Me The Home

$410,000

SAN RAMON

2

2

0

$54,325

$2,090

144 DOGWOOD PL

Ram Properties

Marvin Remmich

Get Down Payment

Show Me The Home

$414,900

SAN RAMON

3

2

0

$54,974

$2,408

2717 FOUNTAINHEAD DRIVE

Help-U-Sell San Ramon Prop

Gregory R McPherson

Get Down Payment

Show Me The Home

$415,000

SAN RAMON

3

1

1

$54,988

$2,408

2864 Bollinger Canyon Rd

Prudential California Realty

Laura Nguyen

Get Down Payment

Show Me The Home

$419,900

SAN RAMON

3

1

1

$55,637

$2,433

2869 FOUNTAINHEAD DR

REALTY WORLD PIGATI & RUSSELL

ANTHONY PIGATI

Get Down Payment

Show Me The Home

$429,700

SAN RAMON

2

2

0

$56,935

$2,281

236 TANGERINE CT

Alain Pinel REALTORS

Darrel Bihr

Get Down Payment

Show Me The Home

$450,000

SAN RAMON

2

2

0

$59,625

$2,554

3815 CROW CANYON RD

People & Properties Sotheby's

Kathleen M Adami

Get Down Payment

Show Me The Home

$450,000

SAN RAMON

2

2

1

$59,625

$2,613

458 PINE RIDGE DR

Empire Realty Associates

Lisa Tichenor

Get Down Payment

Show Me The Home

$459,950

SAN RAMON

2

2

0

$60,943

$2,340

108 DOGWOOD PL

J. Rockcliff Realtors Inc.

Robert Rittenhouse

Get Down Payment

Show Me The Home

$469,950

SAN RAMON

2

2

0

$62,268

$2,389

6916 WISTERIA ST

VALLEY PROPERTIES

JUDI IRWIN

Get Down Payment

Show Me The Home

$479,000

SAN RAMON

2

2

0

$63,468

$2,700

3665 Crow Canyon Rd.

United California Brokers

Scott Anderson

Get Down Payment

Show Me The Home

$479,000

SAN RAMON

2

2

0

$63,468

$2,728

2595 TWIN CREEKS DR

Blackhawk Real Estate Co.

Gloria Corda

Get Down Payment

Show Me The Home

$479,000

SAN RAMON

2

2

0

$63,468

$2,633

701 Destiny Lane

Coldwell Banker

Henry Ohlmeyer

Get Down Payment

Show Me The Home

$483,950

SAN RAMON

2

2

0

$64,123

$2,753

2632 MEADOW GLEN PL

RE/MAX Accord

Marianna T Bottari

Get Down Payment

Show Me The Home

$490,000

SAN RAMON

2

2

0

$64,925

$2,491

9169 Tangerine St

PMZ REAL ESTATE

MICHAEL BAZIUK

Get Down Payment

Show Me The Home

$490,000

SAN RAMON

2

2

0

$64,925

$2,798

336 S OVERLOOK DR

INTEGRITY REALTY

MASOUDA HAMIDI

Get Down Payment

Show Me The Home

$499,900

SAN RAMON

2

2

0

$66,237

$2,675

951 SPRINGVIEW CIR

REGENCY REAL ESTATE

IRENE G WOODS

Get Down Payment

Show Me The Home

$499,950

SAN RAMON

3

2

1

$66,243

$2,823

2693 MARSH DR

COLDWELL BANKER

CINDY NGAN

Get Down Payment

Show Me The Home

$499,950

SAN RAMON

4

2

0

$66,243

$2,513

9752 TAREYTON

FIDELITY BROKERS

ALICIA VENEGAS

Get Down Payment

Show Me The Home

$510,000

SAN RAMON

3

3

1

$67,575

$2,764

2011 NANCY LN

OUT OF AREA - NON MEMBER

EBRD OUT OFAREA OUT

Get Down Payment

Show Me The Home

$510,000

SAN RAMON

2

2

1

$67,575

$2,789

1206 DESTINY LN

RE/MAX 1ST CHOICE

MICHAEL HYLES

Get Down Payment

Show Me The Home

$519,950

SAN RAMON

4

1

1

$68,893

$2,613

3101 KITTERY AVE

Blue Sky Realty

Jeffrey Klaus

Get Down Payment

Show Me The Home

$525,000

SAN RAMON

2

2

1

$69,563

$2,847

129 Coralflower Ln

Prudential California Realty

Elin Matter

Get Down Payment

Show Me The Home

$529,000

SAN RAMON

3

2

0

$70,093

$2,685

6920 WISTERIA ST

WESTON PROPERTIES

MATT FORD

Get Down Payment

Show Me The Home

$549,000

SAN RAMON

2

2

1

$72,743