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First-Time Homebuyers in California

You're about to make the most important investment decision of your life.
Kudos to you for taking the time to getting started because we know how intimidating it can be!


There are many things to take into consideration when buying your first home. Doing your research and allowing an experienced mortgage broker like Castle Funding can help you navigate the steps to achieve your dream of homeownership.

Benefits for First-Time Homebuyers in California

A first-time homebuyer is technically anyone who has not owned and occupied their home in the last three years.
There are several benefits to being a first-time homebuyer in California. They include:​
  • CalHFA Programs: The California Housing Finance Agency (CalHFA) provides a range of programs and resources for first-time homebuyers, including low-interest loans and help with your down payment. CalHFA does not offer loans, but works with lenders to provide their products and programs.
  • Down payment assistance: There are down payment assistance programs available to first-time homebuyers. These can include state or county-level government programs, non-profits organizations, or lender-specific programs geared toward first-time homebuyers.
  • Low or no down payments: There are several loans that tend to be helpful to first-time homebuyers that offer low to no down payment.  These include:
  • Educational Resources: The state of California offers free education programs to first-time homebuyers. Additionally, realtors and lenders often team up to offer First-Time Homebuyer Workshops and Seminars in their local communities. 

First-Time Homebuyer Guide Free Download



Cost of Renting vs. Owning Explained

Starting the Process?

If you are in the early stages of purchasing or refinancing or are simply exploring your home loan options, we can connect via phone, email, or text. There is no need to spend time filling out an application before you have all your questions answered.

  • What are current mortgage rates?

  • What home loan might suit me?

  • What is the mortgage process?

Start here and we will get in touch with you ASAP.

Ready to Get Preapproved?

The link below takes you to our 100% secure portal where you can fill out the mortgage application and upload your documents.

The online application will ask you for your employment and financial information. Do your best to complete it accurately but keep in mind if you don't know the answer, WE CAN EDIT IT LATER. We will review your application in detail and go over any questions we have as we move forward.

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